Comparison · 2026 edition
Ebury vs Wayflyer: trade finance compared 2026.
Ebury and Wayflyer side by side in the Trade Finance Index 2026: scores, evidence, published facts and awards.
WhatsApp and Telegram +44 7563 115980
[email protected]
Ebury and Wayflyer side by side in the Trade Finance Index 2026: scores, evidence, published facts and awards.
In the Trade Finance Index, Wayflyer scores higher overall: 3.9 out of 5 (78 out of 100) against 3.2 (65), ranking 1 and 3 of 14. Wayflyer also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Ebury | Wayflyer |
|---|---|---|
| Score out of 5 | 3.2 | 3.9 |
| Score out of 100 | 65 | 78 |
| Overall rank | 3 of 14 | 1 of 14 |
| For importers (out of 100) | 64, rank 2 | 79, rank 1 |
| For exporters (out of 100) | 65, rank 3 | 79, rank 1 |
| For wholesalers (out of 100) | 66, rank 2 | 76, rank 1 |
| Type | UK e-money institution with trade lending | Irish non-bank lender |
Each score with the evidence behind it.
| Criterion | Ebury | Wayflyer |
|---|---|---|
| Products | 4/5 Supplier payment finance for imports and export invoice finance with buyer credit are published. | 3/5 Inventory financing and working capital advances are published; no receivables or supplier finance as such. |
| Published cost | 2/5 No standard rate; the only figure is an illustrative 0.5% a month in a worked import example, plus published zero set-up and early repayment fees. | 5/5 A worked example ($100,000 financed, $4,200 fee) and a 5% to 10% fee range are published. |
| Facility size and tenor | 4/5 GBP 50,000 to GBP 5 million with 150 days to repay; the minimum sits above the scale's under-$50,000 floor. | 3/5 Up to $20 million published, with no minimum and no stated term. |
| Speed | 3/5 Set-up within two weeks is published; drawdown on signing. | 5/5 An offer in as little as 24 hours and funds within one to three business days are published. |
| Access | 3/5 Published minimums (GBP 1M revenue, two years), but countries are not listed and a guarantee may occasionally be required. | 4/5 Eleven countries of incorporation, published revenue minimums and no personal guarantee. |
| Standing | 4/5 FCA-authorised e-money institution (900797); the lending entity and funding source are not named. | 3/5 An established non-bank with a named Irish company and published offices; no licence or external funding source. |
Each criterion is scored 0 to 5 against the best published offer in the Trade Finance Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 21 October 2026.
| Fact | Ebury | Wayflyer |
|---|---|---|
| Legal status | 'Ebury Partners UK Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (reference number: 900797).' EU: Ebury Partners Belgium NV/SA, a payment institution (Spanish branch supervised by the Bank of Spain, registration 6889). The financing pages do not name the lending entity: 'availability depends on the entity's regulatory permissions'. | 'Wayflyer Limited trading as "Wayflyer", registered in Ireland under company number 602786', registered office One Spencer Dock, North Wall Quay, Dublin 1. No licence or regulator named; platform terms 'governed by Irish law' (effective 14 October 2026). |
| Products | Supplier Payment Finance, an unsecured credit line to pay suppliers, raw materials and freight 'in most currencies'. Trade finance page: import finance (repay 'up to 150 days later') and export finance ('Provide your buyers credit': 90% of the invoice paid up front, buyers repay 'up to 120 days later'). | Inventory financing ('a smarter alternative to PO financing and invoice factoring'), merchant cash advance ('Our core funding product') and fixed-term loans. |
| Published cost | Set-up costs £0; interest only on the amount drawn 'at a rate pre-decided and mentioned in your terms and conditions'; 'zero fees for early repayment and any unused credit'. The trade finance page's worked example uses a 'Representative example of 0.5% per month funding cost'; no standard rate published. | Inventory financing worked example: $100,000 financed, $4,200 fee, $104,200 to repay. Help centre: one fixed fee 'typically between 5% and 10% of the total advance amount', example $100,000 at 6% = $6,000 fee. No interest, set-up, prepayment or late fees listed. |
| Facility size and tenor | 'Access unsecured credit lines from £50K to £5M.' 'Sell your goods and repay Ebury within 150 days.' | Inventory financing 'up to $20M'; minimum not published. Repayment of the amount plus a fixed fee in set instalments (weekly, bi-weekly and monthly are shown); the FAQ says inventory financing typically bridges '30 to 120 days'. Term length not stated. |
| Speed | Account and credit line set-up 'usually takes up to two weeks'; funds 'available to draw and pay your suppliers as soon as you sign your T&Cs'. | Offer 'in as little as 24 hours'; funds 'within 1-3 business days' (help centre) or 'as little as 24 hours' after approval (inventory page). |
| Who can apply | Operating revenue of GBP 1M or more; tangible net worth above GBP 100,000; at least 2 years of trading. Countries not listed: 'Ebury's product offerings may vary based on your country of origin.' Unsecured; 'In rare cases, we may require a personal or cross-company guarantee'. | Funding generally: incorporated in the United States, Canada, United Kingdom, Australia, Ireland, Spain, the Netherlands, Belgium, Denmark, Germany or Sweden; minimum average monthly revenue $10,000 (or EUR 10,000, GBP 10,000, AUD 20,000, CAD 20,000) for 6 months; 6 months trading for goods sellers. Inventory financing: US, UK or Australia, 12 months trading. 'No personal guarantees.' Dropshippers not funded. |
| Funding and history | Client funds held in separate accounts under safeguarding and client money rules. Funding source for the credit line not named. | Offices in Dublin, Charlotte, London, New York, Sydney and Berlin (terms page). Customer agreements are with 'a Wayflyer group company'; no external funder named. |
| Date read | 21 October 2026 | 21 October 2026 |
Not published or not stated by Ebury: published cost, who can apply, funding and history, access and standing.
Not published or not stated by Wayflyer: legal status, published cost, facility size and tenor and funding and history.
Facts read on 21 October 2026 from: ebury.com/products/financing/…, ebury.com/en/supplier-payment-finance, ebury.com/trade-finance, ebury.com/group-legal-entities; and wayflyer.com/wholesale-financing, help-center.wayflyer.com/en/articles/…, help-center.wayflyer.com/en/articles/…, help-center.wayflyer.com/en/articles/…, wayflyer.com/terms.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
Unsecured import finance with FX in one account.
Inventory funding for brands and wholesalers.
Tell us what you need and where you operate.