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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Apply for a Wayflyer's loan


How to apply

Wayflyer's homepage features a "Get Funded" button that, once clicked, leads users through four easy steps toward obtaining finance.

  1. Register an account. Use your existing email address or Google account to sign up and begin the application process.

  2. Safely connect your various platforms. Join Wayflyer with your advertising and commerce platforms in safety. Incorporating these may create deals that are unique to your company.

  3. Validate your company's identity. You'll need to reveal your bank account information, credit checks, and other identifying data before Wayflyer can release any funds.

  4. Accept the funds and finalize the contract. Depending on the speed with which your bank processes the transfer, you could sign your agreement and have the money in your account within one to three business days after the transfer is made.


You must settle the following criteria to qualify for financing from Wayflyer:

  • Be an eCommerce business selling products online;

  • Be open for business for a minimum of 6 months;.

  • Have monthly online revenue averaging over $20,000;

  • Have a legal presence in one of these jurisdictions: the USA, Canada, the Netherlands, Belgium, the UK, Australia, Ireland, Spain, Denmark, New Zealand, Germany, or Sweden.

Application details

To apply for a loan from Wayflyer, you'll need the following documentation:

  • A current and legitimate photo ID issued by the government;

  • Identification of the company used for registration purposes;

  • If distinct from the corporation's regular place of business, the company's registered address;

  • ID Number of Company Employees (EIN);

  • Articles of Incorporation, Bylaws, or Other Documents Establishing a Company;

  • Specific information on the company, like its registration number and physical location;

  • Information on the company's owners and top executives.

The period it takes for the money to deliver to your bank account after accepting an offer can range from one to three banking days. If you don't have any paperwork to prove that you have a legitimate business, Wayflyer may reject your application.


What are Wayflyer eligibility requirements to get funded?

You must be an online retailer selling goods to receive the cost of funding from Wayflyer, possess a least 6-month track record of success, and generate monthly online revenue of at least $20,000 on average.

How much can I borrow from Wayflyer?

You can receive flexible funding from Wayflyer of up to $20 million.

Is it hard to qualify for Wayflyer funding?

The qualifying and funding process is simplified with Wayflyer. It won't be too difficult if you stick to the procedure.

Calculate loan payments in Wayflyer

Wayflyer calculator will allow you to calculate an approximate payment schedule for the loan

Wayflyer calculator
Interest rates are given in accordance with the rates of the Wayflyer in Washington, D.C. as of 25.09.2022
Loan amount

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10000 $
20000000 $
Loan term

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What to focus on before applying for a loan with Wayflyer

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Wayflyer and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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