TL;DR
Wayflyer ranks #23 in our 2026 funder ranking. Best for established e-commerce brands ($50k+/mo platform sales) needing $25k-$1m for inventory pre-buy or marketing scaling, who don't want generalist mca underwriting friction. The strength: Built specifically for e-commerce — underwrites using your Shopify/Amazon/Stripe data, not bank statements alone. The watch-out: Only works for e-commerce/DTC brands with verified platform sales.
Wayflyer rate card 2026
| Category | Revenue-based financing |
| Best for | E-commerce brands with strong platform sales data (Shopify, Amazon) |
| Amount range | $10,000 – $20,000,000 |
| Cost (factor / APR) | Single fee 3 – 8% of advance; effective cost varies by repayment speed |
| Speed to fund | Funding in 24 hours |
| Min time in business | 6 months |
| Min monthly revenue | $20,000 |
| Min credit score | No FICO check — underwrites against platform data |
The strength — what Wayflyer does better than anyone
Built specifically for e-commerce — underwrites using your Shopify/Amazon/Stripe data, not bank statements alone. Single-fee structure (no compounding factor). Repayment as percentage of daily sales — scales with revenue. Backed by Tiger Global, J.P. Morgan among others.
The watch-out — what Wayflyer doesn't put in marketing
Only works for e-commerce/DTC brands with verified platform sales. Single fee can equate to 30-60% APR for fast-repaying deals. Some merchants report aggressive renewal pressure.
Who Wayflyer is best for
Established e-commerce brands ($50K+/mo platform sales) needing $25K-$1M for inventory pre-buy or marketing scaling, who don't want generalist MCA underwriting friction.
Who shouldn't apply
Merchants ranking solidly above Wayflyer's box may want to apply to OnDeck or Credibly first for cheaper money. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Wayflyer actually makes sense.
How Wayflyer compares to the rest of the top 10
| Funder | Category | Cost | Speed |
|---|---|---|---|
| Wayflyer (this funder) | Revenue-based financing | Single fee 3 – 8% of advance; effective cost varies by repayment speed | Funding in 24 hours |
| Credibly | MCA + multi-product | Factor 1.11+ (MCA); APR varies for term + LOC | As fast as 4 hours |
| Greenbox Capital | Multi-product | Factor varies; published up to 19% ISO commission | 24 – 48 hours |
| Accord Business Funding | MCA specialty | Factor varies by paper grade (often 1.40+) | Next-day for approved files |
| Bluevine | LOC | APR 6.2% – 27% | 1 – 3 business days |
| OnDeck | Term + LOC | Term APR 27%+; LOC APR 30%+ | Same-day for approved files |
What to ask Wayflyer before signing
- "What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
- "Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
- "What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
- "Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.
Frequently asked questions
- Is Wayflyer a direct funder or a broker?
- Wayflyer is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
- What's the minimum revenue Wayflyer will fund?
- Wayflyer's published floor is $20,000 in average monthly revenue, with 6 months minimum time in business. Credit score floor is No FICO check — underwrites against platform data. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
- How fast can Wayflyer fund?
- Wayflyer's public speed quote is Funding in 24 hours. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
- Should I go directly to Wayflyer or through a broker?
- Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Wayflyer, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
- What's Wayflyer's biggest weakness vs alternatives?
- Only works for e-commerce/DTC brands with verified platform sales. Single fee can equate to 30-60% APR for fast-repaying deals. Some merchants report aggressive renewal pressure.
Related reading
- The full 2026 ranking of 10 MCA funders — where Wayflyer sits and why.
- How factor rates actually work — the math behind Single fee 3 – 8% of advance.
- How to qualify for an MCA in 2026 — the 7 things underwriters check.
- Take the fundability quiz — find your tier in 2 minutes.