Wayflyer vs. 8fig vs. Clearco: The Hidden Cost of Daily Repayments Revealed (2026 Data)
- Jason Feimster
- Jan 15
- 6 min read
Choosing between Wayflyer, Clearco, and 8fig? We expose the hidden costs of daily repayments that most lenders won't tell you about. Learn why 8fig’s flexible model is a win for e-commerce, and why Bank Breezy is the ultimate "Blue Collar" alternative for contractors and truckers who need weekly payment options and a $500 price guarantee. Stop the daily drain on your bank account and find a funding partner that actually respects your business cycle.
There is nothing worse than waking up, checking your business bank account, and realizing a chunk of your cash is already gone before you’ve even had your coffee.
It’s the "death by a thousand cuts." You need that money to buy materials, pay a sub, or fuel up the fleet. But because you signed a deal with a rigid "daily draw" lender, they got paid first. And you? You’re left scrambling to keep the lights on until the next deposit hits.
If you are staring at a broken piece of equipment or a massive inventory order and knowing you can't afford to move because your lender is bleeding you dry daily, you are in the "Cash Flow Trap."
Key Takeaways
The "Daily Draw" Trap: Lenders like Wayflyer and Clearco often deduct payments every single day, which can strangle your operating cash flow during slow weeks.
The 8fig Advantage: 8fig is the "Hero" for e-commerce because they align repayments with your supply chain—scheduled and flexible, not just a blind daily percentage.
The Blue Collar Solution: If you aren't an e-com store, Bank Breezy (DAC) brings that same "weekly payment" flexibility to the trades, trucking, and service industries—backed by a $500 "Meet or Beat" guarantee.
Why The Banks (and "Daily" Lenders) Are Failing You
We all know traditional banks are useless for the modern hustler. They want three years of tax returns, a 750 credit score, and your firstborn child as collateral. They move at the speed of a glacier, and you need money today.
So, you turned to the "FinTech" giants—Wayflyer, Clearco, maybe others. They promised speed. They promised "revenue-based funding." But they didn't explain the pain of Daily Remittance.
When a lender takes a cut of your sales every single day, they don't care if it's a slow Tuesday or if your biggest client is late paying an invoice. They take their cut. Period. This rigid structure works for massive, predictable corporate machines. But for the working-class economy? It’s a recipe for disaster.
The Solution: The "Bank Breezy" / DAC Way
You need a partner, not a parasite. You need capital that respects the reality of your business cycles.
This is where Bank Breezy (powered by DAC) changes the game for the "Blue Collar" economy. We understand that a plumber, a trucker, or a shop owner doesn't always have the same cash flow every 24 hours.
Weekly Options: Unlike the rigid daily draws of many competitors, we offer weekly payment options. This gives you breathing room to collect receivables and manage your week.
Revenue-Focused: We look at your gross revenue, not just your credit score. If you're moving $15k+ a month, we can play.
The "Meet or Beat" Guarantee: We are so confident we have the best rates that if we can’t beat a competitor's offer (like Wayflyer or Clearco), we will literally cut you a check for $500.
But let's look at the data. If you are in e-commerce, or just shopping around, you need to know how the "Big Three" stack up.
The Comparison: Wayflyer vs. Clearco vs. 8fig
If you are running an e-commerce shop, these are the names you hear. But they are NOT created equal. Here is the hidden truth about their repayment models.
1. Wayflyer & Clearco: The "Daily Draw" grinders
Both Wayflyer and Clearco are giants for a reason—they are fast. But their model is typically built on daily remittance.
How it works: They take a fixed percentage (say, 10-20%) of your daily sales.
The Trap: If you have a low-margin day, or you need to reinvest cash immediately into ads or stock, you can't. The money is automatically pulled. It limits your agility.
The Verdict: Good for massive, high-volume stores with predictable daily sales. Bad for growing brands that need cash in hand.
2. 8fig: The "Flexible Hero"
In the battle of e-commerce funding, 8fig comes out as the hero for one specific reason: Scheduled Remittance.
Why they win: 8fig builds a "Growth Plan" aligned with your supply chain. They don't just blindly scrape your account every day. Their repayments are scheduled based on when you actually expect to have cash.
The Benefit: This allows you to plan. You know exactly when money is leaving. It treats you like a CFO, not a cash register.
BUT... What if you aren't selling t-shirts on Shopify?
What if you run a construction company?
A trucking authority?
A machine shop?
8fig won't help you.
They are strictly for e-commerce.
This is why Bank Breezy / DAC is the "8fig for the Working Man." We bring that same "Weekly" flexibility and "Revenue-Based" logic to the industries that actually build America.
3 Actionable Tips to Protect Your Cash Flow
Whether you choose us or them, follow these rules to survive.
1. Demand "Weekly" Over "Daily" Repayments
If a lender demands daily payments, they don't trust your cash flow management. Negotiate for weekly.
Why? Weekly payments allow you to float cash for 5-6 days. You can buy materials on Monday, finish the job Thursday, get paid Friday, and then pay the lender.
The DAC Edge: We specialize in weekly options to keep your operating account healthy.
2. Use "Purchase Order" Thinking (Even if you don't use POs)
8fig wins because they align funding with supply chain milestones. You can do the same.
The Strategy: Don't just borrow money to "have it." Borrow specifically for a project or equipment that will generate immediate revenue.
Example: Borrow $20k to buy an excavator that adds $5k/month to your bottom line. The asset pays for the loan. This is what we call "Fuel," not "Desperation".
3. Never Accept the First Offer Without a Fight
Lenders (yes, even us) are businesses. The first offer is rarely the absolute floor.
The Strategy: Get an offer in writing. Then, take it to a competitor.
The "Kill Shot": Bring a written offer from Wayflyer or Clearco to us. Use our "Meet or Beat" Guarantee. We will beat the price/term, or we pay you $500. You win either way.
The "Kill Shot" Call to Action
Stop letting daily draws bleed your business dry. You work too hard to lose control of your bank account.
You have two choices today:
Keep guessing with rigid lenders who treat you like a number.
Get the Capital You Deserve with the Flexibility You Need.
No hard credit pull. Weekly payments available. "Meet or Beat" Guaranteed.
FAQ: People Also Ask
Can I get business funding with a 500 credit score?
At DAC/Bank Breezy, we focus on your business revenue, not just your personal credit. If you have $15k+ in monthly sales and have been in business for 6 months, we have options for scores as low as 500-550.
How does the "Meet or Beat" guarantee work?
It’s simple. If you have a written offer from another funder (like Wayflyer, Clearco, or OnDeck), send it to us. We will either provide a better offer (lower cost of capital) or, if we can't, we will send you a check for $500. You must provide the offer before you sign with them.
Is 8fig available for construction or trucking businesses?
No. 8fig is designed specifically for e-commerce and dropshipping businesses. For construction, trucking, and service-based industries, Bank Breezy is the preferred alternative, offering similar flexibility with weekly payment options.
What is the difference between daily and weekly remittance?
Daily remittance means the lender takes a percentage of your sales every single banking day. Weekly remittance means they take a single payment once a week. Weekly is generally preferred for "lumpy" cash flow businesses (like contractors) to avoid overdrafts on slow days.
How fast can I get funded with Bank Breezy?
We are built for speed. Approvals often happen in a few hours, and funds can be in your bank account in as little as 24 hours (usually 1-3 days).
Does applying for revenue-based funding hurt my credit?
No. Our application process uses a Soft Credit Pull, which does not affect your FICO score. We only do a hard pull if you accept the offer and move forward with funding.
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