If you’re a small-business owner struggling right now, this is for you.

Maybe sales have slowed down. Maybe you’re staring at bills, payroll, rent or inventory costs and wondering how you’re going to make everything work.

Or maybe your business is actually doing well—but you don’t have enough cash available to take advantage of the opportunities right in front of you.

We understand. We’ve been there too.

The Holistic Science Co. has been a small business since 2012. And if there’s one thing we’ve learned over all these years, it’s that running a small business is anything but easy.

There are amazing years. There are difficult years. And then there are those moments when you quietly wonder:

“Can I really keep doing this?”

We’ve Watched Good Businesses Disappear

This subject is especially personal to us.

Over the years, we’ve watched other small businesses we knew close their doors. Many of them weren’t strangers or businesses we simply read about. They were our wholesale accounts, suppliers and fellow small-business owners we had built relationships with along the way.

One by one, some of them disappeared.

And that’s heartbreaking to watch when you understand how much goes into building a business from nothing.

Behind every small business is a person.

Someone took the risk. Someone invested their savings. Someone worked nights and weekends. Someone missed family dinners, worried about payroll, packed orders after everyone else went to bed and woke up the next morning to do it all over again.

That’s one of the reasons we’re writing this.

If sharing something we’ve personally used gives even one business owner another option before deciding to close their doors, then this article was worth writing.

Sometimes a Good Business Just Needs Some Breathing Room

One of the cruelest realities of owning a business is that you often need money in order to make money.

You need inventory before you can sell it.

You need advertising before new customers can discover you.

You may need another employee before you can handle more business.

And sometimes a great opportunity arrives at exactly the wrong time—when there simply isn’t enough cash sitting in the bank to take advantage of it.

That doesn’t necessarily mean you built a bad business.

Sometimes, you just need some breathing room.

What If You Don’t Want to Go Through a Traditional Bank?

For generations, business owners needing capital generally thought of one place first: the bank.

Traditional bank financing can absolutely make sense for some businesses. But it isn’t the only avenue available anymore.

The application process, documentation, underwriting requirements and time involved with traditional lending may not work for every small-business owner—particularly when a business needs to move quickly.

We believe business owners should know there are other options to explore.

And that’s what led us to Wayflyer.

Something We’ve Personally Used

We normally don’t write about business financing. We make natural personal-care products.

But we’re also small-business owners.

And when something has genuinely helped our business, we believe in sharing our experience with other entrepreneurs who may be facing similar challenges.

The Holistic Science Co. has personally used Wayflyer, and based on our experience, we highly recommend looking into them.

Wayflyer provides funding to qualifying established businesses based in part on business performance.

Depending on your eligibility and individual offer, funding could potentially provide additional working capital for things such as inventory, marketing, operating expenses or expansion.

For us, one of the most valuable things was simply knowing there was another option available.

Because sometimes when you’re running a business, having options can mean everything.

This Isn’t About Encouraging Businesses to Take on Debt

We want to be very clear about this.

Funding isn’t free money, and financing isn’t automatically the right answer.

Never take financing simply because someone offers it to you.

Look at your numbers. Understand the cost. Understand the repayment structure. And have a clear plan for what that capital is going to accomplish.

There’s an enormous difference between repeatedly borrowing money to support a business model that isn’t working and strategically using capital to purchase profitable inventory, fund effective marketing or take advantage of a genuine growth opportunity.

Every business and every situation is different.

This article isn’t intended to tell anyone what financial decision to make.

It’s simply intended to make another small-business owner aware that another option exists.

To the Small-Business Owner Who Is Exhausted Right Now…

We see you.

The person packing orders late at night.

The shop owner wondering whether enough customers will walk through the door tomorrow.

The maker creating products with their own hands.

The restaurant owner watching food and labor costs climb.

The entrepreneur lying awake at 2 a.m. mentally calculating bills.

And the person who has invested years of their life into building something from absolutely nothing.

Small businesses aren’t just businesses.

They’re people’s dreams. They’re livelihoods. They’re jobs. They’re relationships with customers and suppliers. And very often, they’re a family’s future.

We’ve watched too many wonderful small businesses disappear over the years.

That’s why we wanted to write this.

If you’re going through a difficult season, don’t immediately assume that it’s over.

Look honestly at your numbers. Cut what isn’t working. Try something different. Ask for help. Talk to your accountant or financial professional. And explore every reasonable option available to you.

A traditional bank may be one option.

Wayflyer may be another.

There may be others that are better suited to your particular situation.

The important thing is knowing your options before deciding that you’re out of them.

Before You Close the Doors…

You’ve already done something incredibly difficult.

You built a business.

If customers still want what you sell and you believe the underlying business is viable, a difficult cash-flow period doesn’t automatically erase everything you’ve created.

Sometimes businesses need to change.

Sometimes they need to become smaller.

Sometimes they need a new strategy.

And sometimes they simply need access to working capital at the right moment.

We can’t tell you which situation you’re in.

But we can share something that we’ve personally used and let you decide whether it’s worth exploring.

How Does Wayflyer Work? A Guide to Business Financing for Small Businesses

Running a small business takes dedication, passion, and hard work. Whether you're an artisan, farmer, salon owner, or brick-and-mortar shop owner, managing cash flow can be one of the biggest challenges you face. When money is tied up in inventory, equipment, or unpaid sales, it can be difficult to cover everyday expenses or take advantage of new opportunities.

For family-owned businesses, the stakes can be even higher. Your business may represent years of hard work, family history, and a livelihood worth protecting.

That's where working-capital financing may help.

What Is Wayflyer?

Wayflyer is a business financing provider that offers working capital to eligible small and medium-sized businesses. Its financing is designed to help businesses access funds for inventory, marketing, payroll, equipment, expansion, and other business needs.

Unlike traditional financing that may rely heavily on credit history and collateral, Wayflyer evaluates business performance data, including sales and revenue trends, when determining available financing offers.

The goal is to help qualifying businesses access capital without giving up ownership of their company.

How Does Wayflyer Work?

Wayflyer's application process is designed to be straightforward. Here's how it works:

1. Apply Online

You begin by providing information about your business and creating an account through Wayflyer's website.

You may be asked to connect business accounts and platforms so Wayflyer can review your financial performance.

2. Connect Your Business Data

Wayflyer uses read-only data from connected sales platforms, banking accounts, and other business systems to evaluate your revenue and business performance.

This information helps determine whether you qualify for financing and what funding options may be available.

3. Receive a Personalized Funding Offer

If you qualify, Wayflyer provides a financing offer tailored to your business.

Your offer may include:

• The amount of funding available.

• The fixed financing fee.

• Your total repayment amount.

• Your repayment schedule or revenue-based repayment rate.

You can review the terms before deciding whether to accept.

4. Receive Your Funds

Once you accept an offer and complete the necessary agreements, the funds are deposited into your designated business bank account.

Wayflyer advertises funding in as little as 24 hours, although the actual timeline depends on your circumstances and the offer you receive.

5. Repay the Financing

Depending on the product you receive, repayments may be based on a percentage of your revenue or a fixed amount on a predetermined schedule.

This flexibility can help some businesses manage fluctuations in cash flow.

How Can Wayflyer Help Small Businesses?

Access to working capital may help business owners address financial challenges and pursue growth opportunities.

Artisans and Handmade Businesses

If you create handmade products, jewelry, artwork, or specialty goods, you may need money for raw materials, supplies, packaging, or additional inventory.

Financing may help you purchase materials in advance so you can continue fulfilling orders and preparing for busy seasons.

Farmers and Agricultural Businesses

Farmers often face significant expenses before they receive income from their harvests or sales.

Working capital may help cover certain operational expenses, supplies, or equipment needs. However, businesses with seasonal or unpredictable revenue should carefully consider repayment obligations.

Brick-and-Mortar Shops

Retail stores may need additional funds to restock popular products, pay suppliers, update equipment, or prepare for seasonal demand.

Access to capital may help a qualifying store maintain inventory and continue serving its customers.

Salons and Personal-Care Businesses

Salon owners may use working capital for equipment, supplies, renovations, marketing, or other business expenses.

For a growing salon, having access to funds at the right time may help support expansion or improvements.

Family-Owned Businesses

For families who have spent years building a business, temporary financial challenges can feel overwhelming.

Financing may provide an additional option for businesses with sufficient revenue and a realistic plan for repayment. However, borrowing money should be carefully considered, particularly when the business is already experiencing financial difficulties.

The goal should be to strengthen the business's financial position—not simply postpone existing problems.

How Much Does Wayflyer Cost?

Wayflyer states that its financing generally includes a fixed fee agreed upon before accepting an offer. Its help center says fees are typically between 5% and 10% of the advance, although the actual cost varies by business and financing terms.

For example, if a business receives $20,000 with a hypothetical 6% fee:

• Funding received: $20,000

• Financing fee: $1,200

• Total repayment: $21,200

This is an illustration, not a guaranteed Wayflyer offer.

Before accepting financing, business owners should review the total repayment amount and understand how repayments will affect their operating cash flow.

What Happens If Your Sales Slow Down?

Wayflyer offers different repayment structures.

With a revenue-based Cash Advance, repayments may decrease when sales decline and increase when sales grow, depending on the agreement.

With fixed repayments, the amount owed on each scheduled payment date generally remains the same, even if revenue fluctuates.

It's important to understand that flexible repayments do not eliminate the obligation to repay the full amount agreed upon.

Is Wayflyer Right for Your Business?

Wayflyer may be worth exploring if your business has established revenue, a clear use for additional capital, and a reasonable plan for repayment.

However, financing isn't suitable for every business.

Before applying, consider:

• Can your business comfortably handle the repayment obligations?

• Will the funds help generate additional revenue or improve operations?

• What is the total cost of financing?

• What happens if sales are lower than expected?

• Are there less expensive financing options available?

If your business is struggling to pay essential expenses, consider seeking advice from a qualified financial professional or a Small Business Development Center before taking on additional debt.

Give Your Business Room to Grow

Small businesses are the heart of many communities. Behind every storefront, handmade product, farm, and family business is a person who has invested time, energy, and passion into building something meaningful.

When cash flow becomes a challenge, exploring responsible financing options may help you identify a path forward.

Wayflyer offers eligible businesses an opportunity to explore working-capital financing based on their business performance.

Want to Learn More About Wayflyer?

If you're looking for additional capital to support your business, you can explore your options and see whether Wayflyer may be a fit...without any credit inqiries.

-->Explore Wayflyer Financing

There is absolutely no obligation to accept funding simply because you explore your options.

Whatever you ultimately decide, please remember:

Before you give up on the business you’ve worked so hard to build, make sure you’ve explored every reasonable option available to you.

From one small business to another,

We’re rooting for you.

— The Holistic Science Co.

⸻

A Little Transparency

The Holistic Science Co. has personally used Wayflyer and recommends exploring the company based on our own experience. The link in this article is our referral link, which means we may receive a referral reward if an eligible business obtains funding through it. This does not increase the cost nor affect your approval odds.

Funding is subject to Wayflyer’s eligibility requirements, underwriting and terms. Financing involves costs and repayment obligations. Please carefully review any offer and consider consulting an appropriate financial professional to determine whether financing makes sense for your business.