Comparison · 2026 edition
Liberis vs Wayflyer: working capital finance compared 2026.
Liberis 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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Liberis 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, Liberis scores higher overall: 2.9 out of 5 (57 out of 100) against 2.6 (52), ranking 4 and 5 of 12. Liberis scores higher for online and retail brands and small businesses and merchants; they tie for software and subscription firms.
Overall and segment scores out of 100, and the score out of 5.
| Score | Liberis | Wayflyer |
|---|---|---|
| Score out of 5 | 2.9 | 2.6 |
| Score out of 100 | 57 | 52 |
| Overall rank | 4 of 12 | 5 of 12 |
| For online and retail brands (out of 100) | 58, rank 4 | 50, rank 5 |
| For software and subscription firms (out of 100) | 51, rank 4 | 51, rank 5 |
| For small businesses and merchants (out of 100) | 62, rank 2 | 54, rank 5 |
| Type | Revenue-based finance provider | Revenue-based finance provider |
Each score with the evidence behind it.
| Criterion | Liberis | Wayflyer |
|---|---|---|
| Product range | 5/5 Five financing products published, from starter advances to custom limits. | 3/5 Two financing types published: a cash advance and a fixed-term loan. |
| Published pricing | 4/5 Representative APR with a full worked example published; other products not priced. | 3/5 Typical fee range of 5% to 10% with a worked example; no exact fee published. |
| Published eligibility | 3/5 Revenue thresholds and UK company eligibility published; trading history not published. | 5/5 Minimum revenue, minimum trading history and 11 eligible countries all published. |
| Limits and speed | 3/5 Maximum amounts and an under 24 hour funding time published; minimum amounts not published. | 2/5 Time to funds published; minimum and maximum amounts not published. |
| Borrower terms | 0/5 Personal guarantee, equity and early repayment terms not published on the pages read. | 2/5 No early repayment charge stated; personal guarantee and warrants not addressed. |
| Regulatory standing | 2/5 States its financing is not FCA regulated; register number published for a payment agent role only. | 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 | Liberis | Wayflyer |
|---|---|---|
| Products | Starter Capital ("Up to £50,000/ advance"), Pay with Liberis ("Up to £10,000/ purchase"), Working Capital ("Up to £1m/ advance"), Flex Capital ("Up to £2m/ limit") and Investment Capital (custom). | "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 | Representative APR "41.9%": loan "£25,000", 12-month term, fixed fee "£6,000", total repayable "£31,000", interest "0%". | "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 | Revenue thresholds by product: "from £0/ month", "from £500/ month", "from £5,000/ month" and "from £40,000/ month"; representative example for UK Limited Companies; "15 markets" not named. | 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. |
| Speed and repayment | Working Capital: "Fastest time to funds (< 24 hours)"; "Paid with % of future revenue"; minimum monthly amount "of up to 3% of the total amount owed". | "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." |
| Regulatory status | "Liberis is not authorised or regulated by the Financial Conduct Authority"; "Business Cash Advance is a form of receivables finance not a loan." | Not listed in this index |
| Register entry | "Liberis Limited (Firm Reference Number: 902157) is a registered EMD agent of Modulr FS Limited"; US payment services by "Airwallex US, LLC (NMLS #1928093)". | Not listed in this index |
| 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." |
| Regulatory standing | Not listed in this index | No licence, regulator or security certification stated on the help centre pages read. |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Liberis: eligibility, limits and speed and borrower terms.
Not published or not stated by Wayflyer: regulatory standing, published pricing, limits and speed and borrower terms.
Facts read on 26 October 2026 from: liberis.com/…, liberis.com/compare-products; 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.
UK merchants wanting a published representative cost and a range of advance sizes.
Online and retail brands in 11 countries wanting a single fixed fee.
Tell us what you need and where you operate.