Comparison · 2026 edition
Bluevine vs Wayflyer: working capital finance compared 2026.
Bluevine and Wayflyer side by side in the Revenue-Based and Working Capital Finance Index 2026: scores, evidence, published facts and awards.
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Bluevine and Wayflyer side by side in the Revenue-Based and Working Capital Finance Index 2026: scores, evidence, published facts and awards.
In the Revenue-Based and Working Capital Finance Index, Bluevine scores higher overall: 3.0 out of 5 (59 out of 100) against 2.6 (52), ranking 3 and 5 of 12. Bluevine also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Bluevine | Wayflyer |
|---|---|---|
| Score out of 5 | 3.0 | 2.6 |
| Score out of 100 | 59 | 52 |
| Overall rank | 3 of 12 | 5 of 12 |
| For online and retail brands (out of 100) | 60, rank 3 | 50, rank 5 |
| For software and subscription firms (out of 100) | 56, rank 3 | 51, rank 5 |
| For small businesses and merchants (out of 100) | 60, rank 4 | 54, rank 5 |
| Type | Business banking and credit provider | Revenue-based finance provider |
Each score with the evidence behind it.
| Criterion | Bluevine | Wayflyer |
|---|---|---|
| Product range | 3/5 Two financing types published: lines of credit and partner term loans. | 3/5 Two financing types published: a cash advance and a fixed-term loan. |
| Published pricing | 1/5 Only a rate for top applicants is published, which the method treats as a "from" rate. | 3/5 Typical fee range of 5% to 10% with a worked example; no exact fee published. |
| Published eligibility | 5/5 Minimum revenue, trading history, credit score and eligible states published. | 5/5 Minimum revenue, minimum trading history and 11 eligible countries all published. |
| Limits and speed | 5/5 Minimum and maximum limits and a 24 hour funding time published. | 2/5 Time to funds published; minimum and maximum amounts not published. |
| Borrower terms | 1/5 No early payoff fee, but interest is still owed and the owner is a guarantor. | 2/5 No early repayment charge stated; personal guarantee and warrants not addressed. |
| Regulatory standing | 3/5 Issuing bank and a California licence number published; no security certification. | 0/5 Not published on the pages read. |
Each criterion is scored 0 to 5 against the best published offer in the Revenue-Based and Working Capital Finance Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Bluevine | Wayflyer |
|---|---|---|
| Products | Line of credit issued by Celtic Bank; "Term loans up to $500,000" from lending partners; business checking and debit card. | "Merchant Cash Advance (MCA): Our core funding product provides working capital for inventory purchases" and "Fixed-term Loans: A structured commercial, fixed-term loan with a fixed repayment structure." |
| Pricing | "interest rates as low as 7.8% for top qualifying customers"; "no maintenance fees"; "Additional fees apply". | "The fee is typically between 5% and 10% of the total advance amount." Example: "$100,000 advance with a 6% fee", total repayable "$106,000". "No application fees", "No origination fees", "No interest", "No prepayment penalties". |
| Eligibility | "$10,000 in monthly revenue"; "625+ personal FICO credit score"; "In business for 12+ months"; corporation or LLC; Nevada, North Dakota, South Dakota and US territories excluded. | Average monthly revenue over the preceding 6 months of at least $10,000, €10,000 or £10,000 (AUD and CAD $20,000); operating "at least 6 months" for physical goods or software, "at least 2 years" for retail and service businesses. |
| Limits and speed | "Lines of Credit ranging from $1,000 to $250,000 with weekly or monthly repayment plans"; draws "in as fast as 24 hours". | Not listed in this index |
| Borrower terms | No fee for "draw prepayment or early payoff", but "Prepayment of the loan does not result in any reduction of the total interest owed." On default, reporting "in your role as guarantor". | Not listed in this index |
| Regulatory standing | "The Bluevine Line of Credit is issued by Celtic Bank"; "California Financing Law-License No. 6054789"; "a financial technology company, not a bank". No security certification stated. | No licence, regulator or security certification stated on the help centre pages read. |
| Countries | Not listed in this index | Incorporated in the United States, Canada, the UK, Australia, Ireland, Spain, the Netherlands, Belgium, Denmark, Germany or Sweden; "Not all funding offerings are available to all countries we support." |
| Speed and repayment | Not listed in this index | "Get approved in as little as 24 hours"; "receive funds in your account within 1-3 business days"; repaid through "an agreed percentage of your daily sales"; "You can pay back your advance early without any additional charges." |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Bluevine: regulatory standing.
Not published or not stated by Wayflyer: regulatory standing, published pricing, limits and speed and borrower terms.
Facts read on 26 October 2026 from: bluevine.com/business, bluevine.com/business-loans/line-of-credit, support.bluevine.com/s/article/…; and help-center.wayflyer.com/en/articles/…, help-center.wayflyer.com/en/articles/…, help-center.wayflyer.com/en/articles/….
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
US companies with 12 months' trading wanting a line of credit next to a business account.
Online and retail brands in 11 countries wanting a single fixed fee.
Tell us what you need and where you operate.