Wayflyer offers affordable, non-dilutive, unsecured capital with a unique free analytics platform that analyzes marketing performance on a daily basis, equipping eCommerce businesses with world-class analytics and tangible recommendations. Wayflyer has captured approximately 23% of the eCommerce financing market share as of 2023, making it one of the top three alternative financing providers in this sector. In 2024, Wayflyer expanded into financing of wholesalers for the first time and in November 2024 it was announced that it was Ireland's fastest growing tech company.
Cyborg Score Rationale
In December 2025, Wayflyer reported revenues of €95.2 million with 50% year-over-year growth, though it posted a €48m loss for financial year 2024. The company demonstrates strong market traction with leading institutional partnerships and rapid capital deployment, offset by profitability challenges typical of high-growth fintech lenders. Wayflyer secured a $1 billion financing deal with investment management firm Neuberger Berman in March 2025.
Top Insights
Wayflyer's automated underwriting process has enabled it to maintain a 92% approval rate while keeping default rates below industry averages.
Wayflyer has broadened its focus to serve SMBs across all major industries, driven by strong market demand and the opportunity to back great businesses in every vertical.
In 2025, Wayflyer secured a $250 million, two-year credit facility from ATLAS SP Partners, the warehouse finance and securitized products business majority owned by Apollo funds.
As of April 2026, Wayflyer has approximately 405 employees across 4 continents.
Named Competitors
PayPal Working Capital — Payment processor offering working capital to merchants
Square Capital — Point-of-sale provider offering merchant financing
Clearco — Revenue-based financing platform for e-commerce brands
Shopify Capital — E-commerce platform providing working capital to sellers
Pipe — Revenue financing platform for SaaS and other recurring revenue businesses
Recent Developments
(December 2025) Revenue reached €95.2 million with 50% YoY growth, though reported €48m loss for FY2024
(March 2025) Secured $1 billion financing deal with Neuberger Berman
(2025) Secured $250 million two-year credit facility from ATLAS SP Partners (Apollo-backed)
(2024) Expanded into wholesaler financing and recognized as Ireland's fastest growing tech company
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