Wayflyer
Wayflyer is an Irish fintech that provides non-dilutive revenue-based financing of $5K–$20M to eCommerce and consumer-brand SMBs, using a proprietary data-driven underwriting engine built on read-only Shopify, Stripe, Meta, and Google integrations, and has deployed $6B+ to 6,000+ businesses worldwide.
- Company typePrivate
- Founded2019
- HeadquartersDublin, Ireland
- Headcount251–500
- GTM typeB2B
- OfferingServices
What Wayflyer does
Wayflyer (Wayflyer Limited, registered in Ireland, company no. 602786) is a Dublin-headquartered revenue-based financing platform that provides non-dilutive working capital of $5K–$20M to eCommerce and consumer-brand SMBs, priced as a transparent flat fee (historically 2–8%) with repayments flexibly tied to a percentage of the merchant's daily revenue. Its core underwriting engine ingests read-only data from connected merchant platforms (Shopify, Stripe, Meta, Google Analytics/Adwords) and has analyzed 20,000+ businesses, having deployed $6B+ in working capital across 6,000+ funded customers since commercial launch in April 2020. The company distributes capital via a self-serve online application, an inside-sales motion for larger accounts, and an embedded-finance channel ("Hosted Capital") delivered through SDK/REST APIs and marketplace listings inside Adobe Commerce, WooCommerce, and eBay UK, plus a Technology/Broker/Financial Advisor Partner Program.
Wayflyer's technology stack is hosted on AWS and combines a proprietary data-driven underwriting engine with an LLM-powered insights product (Wayflyer Intelligence, invite-only pilot) and the AI/ML data analytics platform acquired from Conjura in June 2026 (135+ TB of merchant data processed annually across 2,000+ merchants). The product surface now spans four core financing products (Direct-to-Consumer, Amazon Seller, Wholesale, and Small Business Loans), the Hosted Capital embedded-finance API, Wayflyer Intelligence, an Innovation Fund pilot for non-eCommerce SMBs, and two acquired brands (Conjura, MadeMeBuyIt). The company is SOC 2 Type I certified, GDPR-compliant, and CSA STAR-registered.
Revenue mechanics combine transaction-fee principal repayments, fixed finance charges, marketplace commissions from embedded partners, and partner referral fees. Capital is sourced through a multi-billion-dollar institutional debt pool — J.P. Morgan ($300M debt / $1B+ pool), Credit Suisse ($253M), Neuberger Berman ($1B), and ATLAS SP Partners/Apollo ($250M) — alongside equity from Left Lane Capital, DST Global, QED Investors, and others (Series A $76M in May 2021; Series B $150M at a $1.6B valuation in early 2022). The company operates globally with offices in Dublin, Atlanta, New York, Charlotte (U.S. HQ, opened October 2025), Miami, Madrid, and Amsterdam, and surpassed $100M in annual revenues by early 2026.
Wayflyer firmographics
Firmographics- Name
- Wayflyer
- Legal name
- Wayflyer Limited
- Website
- https://wayflyer.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Wayflyer is an Irish fintech that provides non-dilutive revenue-based financing of $5K–$20M to eCommerce and consumer-brand SMBs, using a proprietary data-driven underwriting engine built on read-only Shopify, Stripe, Meta, and Google integrations, and has deployed $6B+ to 6,000+ businesses worldwide.
- Ownership category
- akta.pro rank
Wayflyer industry classification
Industry- Product category
- Revenue-Based Financing
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Underwriting Automation & Income/Employment Verification (FSAGAHAD)
- akta.pro secondary industries
- Quality Control (QC), Compliance & Audit Tools for Underwriting (FSALALAL), Automated Valuation Models (AVM) & Property Data/Analytics (FSALALAJ), Fraud Detection, Identity & KYC/AML for Mortgages (FSALALAH), Document Collection, eClose & eSignature (Mortgage Closing Tech) (FSALALAE), Income, Employment & Asset Verification (VOI/VOE/VOA) (FSALALAF)
Keywords
Where Wayflyer is headquartered
LocationHeadquarters
- HQ city
- Dublin
- HQ country
- Ireland
- HQ region
- Europe
Offices7 records
Markets served
Wayflyer business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Revenue-Based Financing principal repayments: Core revenue stream. Wayflyer advances capital (typically 1.5–3x monthly revenue) to eCommerce SMBs and recoups the principal plus a fixed flat fee over time, with repayments flexibly tied to a percentage of the merchant's daily revenue rather than fixed installments.
- Fixed-fee finance charge on advances: One transparent fixed fee (typically 2%–8% depending on size and performance) charged on each funded advance, with no hidden costs.
- Embedded finance revenue share (Hosted Capital): Platform partners (eCommerce, analytics, payments) earn commission/revenue share on every Wayflyer deal originated through their integration; Wayflyer retains the underlying financing margin.
- Partner referral commissions: Brokers, financial advisors, and technology partners refer clients to Wayflyer and earn commissions on funded deals.
- Innovation Fund (new financing products beyond eCommerce): Pilot financing product launched October 2025 to extend Wayflyer's revenue-based financing model to small businesses beyond its initial eCommerce focus.
- Wholesale Financing product: Wholesale financing product launched March 2024 to fund SMB wholesale purchase orders and inventory flowing into retail channels.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Flexible financing $5K–$20M with one transparent fixed fee, repaid as a % of daily revenue |
| Freemium | Monthly | Wayflyer Intelligence (AI insights) - free during invite-only pilot subject to a monthly usage cap |
| Transaction based/ take rate | Pay-as-you-go | Embedded finance / Hosted Capital - revenue share per funded deal for platform partners |
Go-to-market motion6 records
Distribution channels9 records
Marketing channels10 records
Wayflyer product offering
Product offeringCore offering
Wayflyer provides revenue-based financing to e-commerce and small businesses, advancing non-dilutive working capital (typically 1.5–3x monthly revenue, ranging from $5K to $20M) with repayments flexibly tied to daily revenue rather than fixed installments. A proprietary underwriting engine analyzes read-only platform data (Shopify, Stripe, Meta, Google) to generate tailored offers within minutes and deploy funds in as little as 24 hours, with no personal guarantees and no equity taken. The company also operates an embedded finance API (Hosted Capital) for partner platforms and AI-powered analytics products (Wayflyer Intelligence, Conjura).
Product overview
Wayflyer is a multi-product platform-plus-modules architecture built around a core revenue-based financing engine for eCommerce and consumer brands. The core financing offering is delivered through four modules organized by merchant segment: Direct to Consumer Financing, Amazon Seller Financing, Wholesale Financing, and Small Business Loans (Other SMBs). Around this core, Wayflyer layers a partner-facing embedded finance product (Hosted Capital, delivered via SDK and REST APIs), an AI-assisted analytics product (Wayflyer Intelligence, an LLM-powered pilot), and an Innovation Fund to pilot financing for non-eCommerce SMBs. The platform has also been expanded through the acquisitions of Conjura (an AI-driven e-commerce analytics platform providing predictive insights and a natural language interface) and MadeMeBuyIt (a US-based marketplace). Complementary services such as Banking Services (via Thread Bank / Unit Finance) and Bookkeeping Services (via partners such as Clevo Technologies) are offered alongside the core financing platform.
Differentiator
Problem solved
Functional benefit
Brands
- Wayflyer Hosted Capital: Embedded finance/partner capital product enabling platforms to surface Wayflyer financing offers to their customers via SDK or REST APIs.
- Wayflyer Intelligence
Products and services
- Direct to Consumer Financing Revenue-based financing product for DTC eCommerce brands, offering flexible non-dilutive capital sized typically 1.5–3x monthly revenue, with repayment as a percentage of daily revenue. Funds deployed directly to the merchant's bank account in as little as 24 hours, with no personal guarantees and no equity taken.
- Amazon Seller Financing Financing product tailored for Amazon sellers, extending Wayflyer's revenue-based financing model to merchants selling on Amazon's marketplace to fund inventory restocking, PPC/advertising, and cash-flow smoothing.
- Wholesale Financing Wholesale financing product launched in March 2024, expanding Wayflyer's offering beyond DTC eCommerce into wholesale/distribution use cases for consumer brands selling to retailers.
- Small Business Loans Flexible financing for small businesses outside Wayflyer's primary eCommerce focus, with offer sizes ranging from $5K to $20M, repaid flexibly as a percentage of revenue, with one transparent fixed fee and no personal guarantees.
- Hosted Capital Embedded finance solution that integrates Wayflyer financing offers into partner platforms via SDK or REST APIs. Backed by a $1B+ institutional capital pool including J.P. Morgan, it allows platforms to earn revenue share on every deal while offering capital to their users in hours, with self-service developer documentation and a sandbox.
- Wayflyer Intelligence AI-assisted insights and analytics product powered by a large language model. Surfaces insights and responses using data already connected to the Platform. Available as an invite-only pilot, free of charge subject to a monthly usage cap; outputs are informational only and must be independently verified.
- Conjura AI-driven e-commerce analytics platform acquired by Wayflyer in June 2026. Consolidates fragmented financial, commerce, and marketing data into a single view with AI-powered predictive insights and a natural language interface; processes over 135 TB of data annually across 2,000+ merchants.
- MadeMeBuyIt US-based marketplace acquired by Wayflyer in March 2025 as part of its US expansion. Operates remotely from Miami and continues to scale and develop new products following the acquisition.
Quantifiable outcome
- $6B+ deployed to 6,000+ businesses worldwide
- +9 more outcomes
Companies that use Wayflyer
Customer profileNamed customers14 records
Segments9 records
Ideal customer profiles4 records
Wayflyer technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
AI capability7 records
Feature6 records
Wayflyer partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered flagship / strategic acquisition and integration partner, strategic gtm / co-marketing partner, strategic acquisition (us expansion), flagship / strategic distribution partner, minor partnership, strategic distribution partner, core infrastructure partner, core banking partner, core back-office partner, core payment partner, core underwriting partner, core fraud-prevention partner, core compliance tooling partner and minor angel investor relationship.
- Conjuraflagship / strategic acquisition and integration partnerAcquired in June 2026 as part of Wayflyer's AI product roadmap. Conjura's team (originally incubated Wayflyer in 2019) brings AI-powered e-commerce analytics, machine learning, data science and engineering capabilities; serves 2,000+ merchants and processes 135+ TB of data annually. Powers the Wayflyer Hosted Capital integration inside Conjura's analytics platform.
- Marketer.comstrategic gtm / co-marketing partnerCo-marketing and integration partnership unveiled in October 2025 AI marketing blog post. Combines Marketer.com's AI marketing intelligence with Wayflyer funding offers to give eCommerce brands instant capital for AI-recommended ad spend increases.
- Boundlessstrategic gtm / co-marketing partnerTechnology integration partnership announced September 2025 to streamline the Wayflyer application process for Boundless users, combining Boundless's quick-offer UX with Wayflyer's 24-hour capital deployment.
- MadeMeBuyItstrategic acquisition (us expansion)Acquired in March 2025 as part of Wayflyer's U.S. expansion. US-based marketplace that operates remotely from Miami, scaled to develop new products following the acquisition.
- eBay UKflagship / strategic distribution partnerJoined eBay UK's 'Capital for eBay Business Sellers' programme in August 2021, providing eBay UK business sellers with up to £5M of funding within 24 hours.
- Sezzleminor partnershipStrategic partnership announced in 2021 (alongside Adobe and eBay) to extend Wayflyer's reach into eCommerce ecosystems.
- Adobe Commerce (Magento)flagship / strategic distribution partnerOfficial Adobe Commerce partnership launched April 2021, giving hundreds of thousands of Magento merchants access to Wayflyer financing and analytics inside the Adobe ecosystem. Target: 8,000+ advances to eCommerce businesses in the first year.
- WooCommercestrategic distribution partnerWayflyer is listed in WooCommerce's merchant financing category and 'Grow your business' collection, allowing WooCommerce stores to discover and apply for Wayflyer revenue-based financing directly inside the WooCommerce marketplace.
- Stripecore infrastructure partnerStripe provides identity document verification and advanced fraud signals to Wayflyer as an independent data controller, and is also a payment platform that merchants connect via read-only API access. Stripe Privacy Policy governs its data use.
- Unit Finance Inc. / Thread Bankcore banking partnerBanking partner for Wayflyer's banking services: Unit Finance Inc. acts as technology platform provider and agent of Thread Bank to enable account management, payment processing, KYC verification, and fraud monitoring for Wayflyer customers.
- Clevo Technologies Inc.core back-office partnerBookkeeping Partner that performs bookkeeping, accounting, and financial reporting services on Wayflyer's behalf, including accessing bank statements, invoices, receipts, and other Bookkeeping Data with appropriate consent.
- Nium, Inc.core payment partnerPayment Services Partner providing payment processing, pay-in and pay-out services for Wayflyer customers through Nium's regulated local entities in the jurisdictions where payments are processed.
- Experian Information Solutions, Inc.core underwriting partnerCredit Reference Agency engaged to conduct soft credit checks on applicants and customers to assess eligibility for Wayflyer funding services.
- CIFAScore fraud-prevention partnerFraud Prevention Agency used by Wayflyer to prevent fraud, financial crime and money laundering via CIFAS's national fraud database.
- Vantacore compliance tooling partnerContinuous compliance monitoring platform used by Wayflyer to monitor production and corporate infrastructure for SOC 2 and other security controls.
- AWS (Amazon Web Services)core infrastructure partnerAccredited hosting provider for the Wayflyer platform using accredited AWS services.
- MARC (proptech)minor angel investor relationshipWayflyer personnel (notably Jack Pierse) participated as one of 23 angel investors backing MARC's $1m pre-seed round in February 2026, signalling ecosystem support for Irish AI startups.
Scale indicators18 records
Recent moves9 records
Expansion highlights7 records
Wayflyer competitors and assessment
Company assessmentDirect peers
- Clearco: Toronto-based revenue-based financing provider for eCommerce and SaaS companies, often cited alongside Wayflyer as a key player in the global RBF market; competes head-to-head for DTC and Amazon merchants with similar non-dilutive, data-driven advance products.
- Outfund: London-based revenue-based financing platform targeting eCommerce and SaaS SMBs in Europe; directly comparable in product offering, target merchant profile, and pricing model to Wayflyer's core DTC and Amazon products.
- Uncapped: London-based alternative financing provider offering revenue-based finance and working capital lines to eCommerce and SaaS founders; competes with Wayflyer in the European SMB market with a similar non-dilutive, flat-fee model.
- Hokodo: Paris/London-based B2B buy-now-pay-later and embedded trade credit platform; comparable to Wayflyer in serving SMBs with embedded finance APIs and revenue-linked repayment structures, particularly relevant given Wayflyer's Wholesale Financing push.
Broad incumbents
- Shopify Capital: Native working-capital product from Shopify offering merchant cash advances to Shopify sellers; is a platform-native incumbent with structural data and distribution advantages over Wayflyer for any merchant on the Shopify ecosystem.
- Stripe Capital: Stripe's embedded lending product extending financing to merchants based on payment volume; competes with Wayflyer for eCommerce and SaaS merchants and is the closest analogue to Wayflyer's Hosted Capital embedded-finance distribution model.
- Amazon Lending: Amazon's invite-only working-capital program for third-party sellers on its marketplace; competes directly with Wayflyer's Amazon Seller Financing product and has structural advantages from native platform data.
- PayPal Working Capital: PayPal's merchant cash advance product built on payment volume data; an established incumbent in SMB working capital with a comparable revenue-linked repayment model targeting similar small merchants.
Emerging players
- Onramp Funds: U.S.-based eCommerce-focused revenue-based financing provider; emerging challenger with overlapping merchant segments (DTC and Amazon sellers) and similar data-driven underwriting approach to Wayflyer.
- Bloom (formerly Known Four): Embedded finance / revenue-based financing platform focused on SaaS and eCommerce SMBs; a smaller emerging player whose embedded distribution model and target segments overlap with Wayflyer's Hosted Capital thesis.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Wayflyer social profiles
Digital presenceWayflyer compliance and trust
Trust signalCompliance3 records
Wayflyer financial estimates
Financial estimateRevenue estimate
Valuation estimate
Wayflyer leadership team
Management profileNumber of profiles
Profiles12 records
Wayflyer subsidiaries and ownership
Company hierarchySubsidiaries2 records
Wayflyer funding detail
Funding detailFunding overview
Funding rounds11 records
Investors22 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Wayflyer M&A and investment
M&A and investmentM&A3 records
Investments5 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Wayflyer
What does Wayflyer do?
Wayflyer provides revenue-based financing to e-commerce and small businesses, advancing non-dilutive working capital (typically 1.5–3x monthly revenue, ranging from $5K to $20M) with repayments flexibly tied to daily revenue rather than fixed installments. A proprietary underwriting engine analyzes read-only platform data (Shopify, Stripe, Meta, Google) to generate tailored offers within minutes and deploy funds in as little as 24 hours, with no personal guarantees and no equity taken. The company also operates an embedded finance API (Hosted Capital) for partner platforms and AI-powered analytics products (Wayflyer Intelligence, Conjura).
Is Wayflyer a public or private company?
Wayflyer is a private company. It is classified as venture growth investor backed and is currently operating.
When was Wayflyer founded?
Wayflyer was founded in 2019. It employs 251 to 500 people.
Where is Wayflyer based?
Wayflyer is headquartered in Dublin, Ireland, in the Europe region.
How does Wayflyer make money?
Six revenue lines are on record. Revenue-Based Financing principal repayments are the primary driver. The others are fixed-fee finance charge on advances, embedded finance revenue share (Hosted Capital), partner referral commissions, innovation Fund (new financing products beyond eCommerce) and wholesale Financing product.
Who are Wayflyer's main competitors?
Direct peers on record are Clearco, Outfund, Uncapped and Hokodo. Broad incumbents are Shopify Capital, Stripe Capital, Amazon Lending and PayPal Working Capital. Emerging players are Onramp Funds and Bloom (formerly Known Four).
Does Wayflyer have an API?
Yes. Partner-facing REST APIs and an SDK for embedded finance, enabling platforms (eCommerce platforms, payment gateways, analytics tools) to surface Wayflyer financing offers to their customers. Includes self-service developer documentation, a sandbox environment for testing, theme customization, and revenue share on every deal. Authentication and rate-limit specifics not stated in source. Developer documentation is at platformpartners.wayflyer.com.
What industry is Wayflyer in?
Wayflyer's product category is Revenue-Based Financing. Its primary akta.pro industry code is FSAGAHAD, Underwriting Automation & Income/Employment Verification, with a secondary code of FSALALAL, Quality Control (QC), Compliance & Audit Tools for Underwriting. Its NAICS code is 52231 and its SIC code is 6163.