Key differences
- Approved members can compare the estimated rates as of today side by side.
- PayPal is usually faster to fund (about 1 day vs about 3 days).
Side by side
| PayPal | Wayflyer | |
|---|---|---|
| Product | Working Capital | Revenue-based financing (ecommerce) |
| Funding type | Embedded & processor capital | Embedded & processor capital |
| Estimated rate as of today | Rates shown to approved members | Rates shown to approved members |
| Pricing source | Estimated as of today | Estimated as of today |
| Time to cash | About 1 day | About 3 days |
| Typical size | Up to about 15% of ARR | Up to about 15% of ARR |
| Term | 6–18 months | 3–9 months |
| Requirements | Existing revenue · Revenue collected through their platform | Existing revenue |
| Regions | US · UK · EU | US · UK · EU |
| What they underwrite | Your platform sales | Your platform sales |
| Collateral | Future platform sales | Future platform sales |
| How you repay | % of sales | % of sales |
| Dilution | None | None |
PayPal vs Wayflyer FAQ
What is the difference between PayPal and Wayflyer?
Approved members can compare the estimated rates as of today side by side. PayPal is usually faster to fund (about 1 day vs about 3 days).
Which is faster, PayPal or Wayflyer?
PayPal usually funds in about 1 day; Wayflyer takes about 3 days.
Which is cheaper for you?
The answer depends on your amount, term and revenue. The calculator prices both on the same basis — fees, warrants and dilution included.
Related comparisons
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.