Charlotte, February 19, 2026
Wayflyer, a leading provider of working capital solutions, has established its U.S. headquarters in Charlotte. The company secured a significant $250 million credit facility aimed at enhancing funding options for small and medium-sized enterprises (SMEs) nationwide. This development showcases the growing entrepreneurial landscape in Charlotte, fostering innovation and economic growth while empowering local businesses through flexible, revenue-based financing solutions.
Charlotte, NC – A vibrant hub of innovation and entrepreneurial spirit, Charlotte continues to attract and cultivate businesses that drive economic growth and provide opportunities for individuals and families across the region. The city’s welcoming environment for enterprise, combined with its strategic location, positions it as a prime ground for companies seeking to empower the next generation of business leaders. In a significant development for the national and local entrepreneurial landscape, Wayflyer, an international leader in working capital solutions with its U.S. headquarters now established in Charlotte, has secured a substantial $250 million credit facility. This infusion of capital is poised to further enhance the resilience and growth prospects of small and medium-sized enterprises (SMEs) not only nationwide but also within the thriving Charlotte NC business community.
This achievement by a company with a strong local presence underscores the power of private investment and innovative financial models in fostering a dynamic economy. It reflects confidence in business models that adapt to the modern challenges faced by entrepreneurs, particularly in the burgeoning e-commerce sector. The expansion of funding capacity through such strategic partnerships highlights how private initiatives can effectively support growth and innovation, offering solutions that complement traditional financing avenues and bolster the entrepreneurial spirit characteristic of North Carolina entrepreneurs.
Wayflyer’s Charlotte Foothold and Global Mission
Wayflyer, founded in 2019, has established itself as a prominent provider of working capital to rapidly expanding small businesses. The company strategically chose Charlotte as the location for its U.S. headquarters, a decision that further integrates it into the fabric of the nation’s financial and business centers. From its Charlotte base, Wayflyer extends its mission to empower e-commerce SMEs globally by offering crucial financing and analytics solutions. These solutions are designed to enhance cash flow, boost sales, and optimize supply chains for businesses that often find traditional funding routes challenging. Since its inception, Wayflyer has deployed over $6 billion to support thousands of businesses worldwide, enabling founders to fund inventory, marketing efforts, and expansion strategies without requiring equity dilution.
The $250 Million Credit Facility: Fueling Nationwide SME Growth
The core of this recent development is Wayflyer’s securing of a $250 million, two-year credit facility with ATLAS SP Partners. ATLAS SP Partners, a warehouse finance and securitized products business predominantly owned by Apollo funds, plays a significant role in providing stable capital and structured credit solutions to various market participants. This substantial credit facility is a testament to the robust performance and disciplined growth approach of Wayflyer’s underwriting model and portfolio. The increased funding capacity from this partnership is specifically earmarked to be deployed directly to ambitious founders leading small businesses, ensuring that capital reaches operators with clear growth plans and a need for flexible financing solutions. This expansion is particularly aimed at bolstering SME funding capacity, especially in the U.S. and Europe.
Innovative Revenue-Based Financing for E-commerce
At the heart of Wayflyer’s appeal is its innovative approach to financing: revenue-based financing. This model stands apart from traditional loans as it ties repayment to a business’s daily sales, offering a flexible structure that aligns with the often-fluctuating cash flow patterns of e-commerce operations. For Charlotte small business owners and entrepreneurs across the nation, this means accessing capital without the constraints of fixed-term loans or the necessity of giving up equity in their growing ventures. Wayflyer’s loans are versatile, allowing businesses to allocate funds for various critical needs, including inventory purchases, marketing campaigns, and general business operations. The company’s expedited approval process, often within 24 hours of a 10-15 minute application, combined with no personal credit score requirement, makes capital more accessible to a broader range of entrepreneurs. Eligibility typically requires businesses to generate at least $10,000 in average monthly online revenue.
Driving Economic Resilience Through Private Investment
The commitment of private capital, exemplified by the partnership between Wayflyer and ATLAS SP Partners, is a critical engine for economic resilience. By providing non-dilutive capital, these innovative financing models empower entrepreneurs to scale their operations, create jobs, and contribute to the broader economy without relinquishing ownership. This approach aligns with principles that emphasize the importance of a free market and limited regulatory burdens, allowing capital to flow efficiently to productive enterprises. For the Charlotte region and its entrepreneurial ecosystem, increased access to flexible funding means more local businesses can innovate, expand their reach, and compete effectively in a global marketplace. It fosters an environment where personal achievement through entrepreneurial success is not only possible but actively supported by dynamic private sector solutions.
ATLAS SP Partners: A Cornerstone in Structured Finance
ATLAS SP Partners, a key player in this credit facility, is a global investment firm specializing in structured credit and asset-backed solutions. Formed in February 2023 following Apollo’s acquisition of Credit Suisse’s securitized products division, ATLAS SP Partners brings substantial expertise and capital market capabilities to the partnership. The firm works with a diverse clientele, including specialty finance companies, to unlock value from existing asset bases and access capital beyond traditional unsecured debt and equity. Their involvement highlights the sophisticated financial infrastructure supporting the growth of innovative platforms like Wayflyer, ensuring a robust and stable funding environment for small businesses nationwide.
Conclusion
The securing of a $250 million credit facility by Wayflyer, with its U.S. headquarters in Charlotte, marks a significant moment for the accessibility of capital for small and medium-sized businesses across the nation. This development underscores the vital role of private investment and innovative financing models in supporting entrepreneurial endeavors and fostering economic growth. As Charlotte NC business continues to flourish, the presence of companies like Wayflyer, dedicated to empowering entrepreneurs with flexible and non-dilutive capital, strengthens the local and national economic fabric. We encourage our readers to recognize the determination and innovation of North Carolina entrepreneurs and to actively support the Charlotte small business community, helping to build an even more prosperous future for our city.
FAQ
What is Wayflyer?
Wayflyer is a leading working-capital provider for fast-growing small businesses, particularly those in the e-commerce sector.
Where is Wayflyer’s U.S. headquarters located?
Wayflyer’s U.S. headquarters is located in Charlotte, NC.
What is the recent financial development for Wayflyer?
Wayflyer has secured a $250 million, two-year credit facility with ATLAS SP Partners.
What is the purpose of this $250 million credit facility?
The facility expands Wayflyer’s funding capacity for small and medium-sized enterprises (SMEs), particularly in the U.S. and Europe, supporting their ability to grow and invest in inventory, marketing, and expansion.
What type of financing does Wayflyer provide?
Wayflyer primarily offers revenue-based financing, where repayment is tied to a business’s daily sales, providing a flexible alternative to traditional fixed-term loans.
Who is ATLAS SP Partners?
ATLAS SP Partners is a warehouse finance and securitized products business majority owned by Apollo funds, specializing in structured credit and asset-backed solutions.
How much funding has Wayflyer deployed to businesses globally?
Wayflyer has deployed over $6 billion to support thousands of businesses globally since its founding.
What are the eligibility requirements for Wayflyer’s financing?
To qualify for Wayflyer’s financing, businesses typically need to generate at least $10,000 in average monthly revenue through online sales.
Key Features of Wayflyer’s Funding Expansion
| Feature | Description | Geographic Scope |
|---|---|---|
| Credit Facility Amount | $250 million | Nationwide (U.S.) and Europe |
| Credit Facility Term | Two years | Nationwide (U.S.) and Europe |
| Partner | ATLAS SP Partners (majority owned by Apollo funds) | Nationwide (U.S.) and Global |
| Purpose | Expand funding capacity for small and medium-sized enterprises (SMEs) | Nationwide (U.S.) and Europe |
| Type of Funding | Non-dilutive, revenue-based financing | Nationwide (U.S.) and Global |
| Wayflyer’s U.S. Headquarters | Charlotte, NC | State-level (North Carolina) |
| Minimum Monthly Revenue for Eligibility | $10,000 (for U.S. businesses) | Nationwide (U.S.) |
| Total Funding Deployed by Wayflyer | Over $6 billion | Global |
Deeper Dive: News & Info About This Topic
HERE Resources
Author: HERE Charlotte
The CHARLOTTE STAFF WRITER represents the experienced team at HERECharlotte.com, your go-to source for actionable local news and information in Charlotte, Mecklenburg County, and beyond. Specializing in "news you can use," we cover essential topics like product reviews for personal and business needs, local business directories, politics, real estate trends, neighborhood insights, and state news affecting the area—with deep expertise drawn from years of dedicated reporting and strong community input, including local press releases and business updates. We deliver top reporting on high-value events such as Lovin' Life Music Festival, Charlotte Pride festival, and major sporting tournaments at Bank of America Stadium. Our coverage extends to key organizations like the Charlotte Regional Business Alliance and Foundation for the Carolinas, plus leading businesses in finance and entertainment that power the local economy such as Bank of America and NASCAR. As part of the broader HERE network, including HEREAsheville.com, HEREGreensboro.com, HERERaleigh.com, and HEREOBX.com, we provide comprehensive, credible insights into North Carolina's dynamic landscape.
