8fig vs Wayflyer (2026): Fees, APR and Terms Compared
Short answer: Compare cost and size first. 8fig: Flat fee of 6% to 10% (about 35% to 77% APR, Lender List estimate); $10,000 to $10 million. Wayflyer: One flat fee, typically 5% to 10% (about 20% to 39% APR over 6 months); $10,000 to $20 million. The table and profiles below show who each one suits. Figures come from our full reviews of 8fig and Wayflyer.
8fig vs Wayflyer at a glance
| 8fig | Wayflyer | |
|---|---|---|
| Lender type | Direct e-commerce funder (future-revenue purchase, not a loan) | Direct non-bank lender |
| Products | Growth Plan funding for inventory and ads | Cash Advance, Term Loan, Rolling Financing |
| Amounts | $10,000 to $10 million | $10,000 to $20 million |
| Cost | Flat fee of 6% to 10% (about 35% to 77% APR, Lender List estimate) | One flat fee, typically 5% to 10% (about 20% to 39% APR over 6 months) |
| Term | Up to 4 months | Typically 3 to 9 months; Rolling Financing 12 months |
| Funding speed | Offer in hours or within 1 to 2 days of onboarding | Decision within hours; funds 1 to 3 business days after signing |
| Founded | 2020 | 2019, Dublin; lending since 2020 |
| HQ | Austin, Texas (per BuiltIn and press); Miami and Tel Aviv offices | Dublin, Ireland; U.S. HQ Charlotte, NC |
| Status | Active (checked 2026-10-26) | Active (Trinity Capital facility, September 2026) |
Choose 8fig if
Best for: U.S. private-label or wholesale online sellers with $100K+ in yearly revenue and six solid months of sales who need a short burst of inventory or ad money, with no personal credit check.
Choose Wayflyer if
Best for: Consumer brands averaging $10K+ a month in revenue for at least six months (two years for retail and service businesses) that need inventory or ad-spend cash within days, with no personal guarantee and the option to repay as a share of sales.
Who should skip each
- 8fig is not for: Dropshippers, sole proprietors, anyone who needs more than 4 months to repay or wants payments guaranteed to shrink with sales, or anyone who wants to avoid a possible UCC lien. Wayflyer and Clearco offer longer terms.
- Wayflyer is not for: Dropshippers, startups under six months, businesses incorporated outside Wayflyer's 11 countries, or anyone who wants a fixed multi-year term. A bank or SBA loan usually costs less if you can wait.
Lender List verdict
8fig: 8fig is quick and publishes a typical fee range of 6% to 10%, but terms now top out at 4 months, so a typical offer annualizes to roughly 35% to 77% APR. Slow-month flexibility is medium: payments follow a personalized schedule built from your funding and sales forecast, and 8fig doesn't publish whether they adjust automatically, though you can request changes if sales move significantly. Wayflyer: Wayflyer is one of the largest revenue-based lenders, with a clear flat fee (typically 5% to 10%) and sales-linked repayment that slows down when your revenue does. Because terms are short, that fee works out to roughly 20% to 39% APR over six months and more if you repay faster.
Frequently asked questions
Which is cheaper, 8fig or Wayflyer? 8fig: Flat fee of 6% to 10% (about 35% to 77% APR, Lender List estimate). Wayflyer: One flat fee, typically 5% to 10% (about 20% to 39% APR over 6 months). Your actual cost depends on the offer and how fast you repay, so convert any quote with our factor rate to APR calculator. Which funds faster, 8fig or Wayflyer? 8fig: Offer in hours or within 1 to 2 days of onboarding. Wayflyer: Decision within hours; funds 1 to 3 business days after signing. How much can I get from 8fig or Wayflyer? 8fig: $10,000 to $10 million. Wayflyer: $10,000 to $20 million. Read the full reviews: 8fig review · Wayflyer review. Figures come from those reviews, which cite the lenders' own pages and third-party sources; see our methodology. Updated 2026-10-27. Pricing varies by offer; confirm with the lender before applying.