HoneyBook Capital provides businesses with quick and easy access to funds, offering a single fixed fee instead of traditional monthly interest, late fees, or prepayment penalties. Once you agree to the terms, funds can be deposited into your account as soon as the next business day, allowing you to invest immediately in inventory, equipment, hiring, and more.

Repayment is simple: a percentage of your client payments will automatically go toward your loan balance until it’s paid off. HoneyBook Capital is available to select businesses that process payments through HoneyBook, with eligibility primarily based on sales history. All loans are issued by Blue Ridge Bank, National Association and serviced by Jaris Funding LLC.

HoneyBook Capital offers a small business loan that allows you to invest in your business immediately. There are no periodic interest charges, monthly bills, late fees, prepayment fees, or penalties—just one fixed fee. Repayment occurs automatically, with a percentage of your daily credit card sales applied to the balance.

Here’s how it works:

Eligible merchants will see a loan pre-offer in their HoneyBook Dashboard. All offers are subject to a credit review, and receiving a pre-offer does not guarantee loan approval.

You can request any amount up to the maximum pre-offered amount.

To apply for the loan, please provide the relevant Owner, Business, and Bank information. We will pre-fill as much of your information from HoneyBook as possible to save you time.

Once your loan application is approved, you will receive a loan offer outlining the loan amount, fixed fee, repayment percentage from each client payment, and estimated repayment duration.

Loan approval generally takes 1-2 business days, and once you’re approved, you’ll receive the funds in your account as soon as the following business day.

Starting the day you receive your funds, HoneyBook will automatically deduct a set percentage from each client payment to repay your loan. This will continue until your balance is fully paid. You may also make manual payments or pay off the loan entirely without incurring an early prepayment fee.

Capital loans typically have a payback period of 9 months. This means if you maintain your usual transactions, your loan will be fully paid in that time. However, you can extend the loan term to a maximum of 18 months if necessary.

Any remaining balance after the maximum term will be collected automatically via ACH.

Approval of your loan can take 1–3 business days, and once you’re approved, the funds will be sent to your bank account as soon as the following business day. Deposit times may vary, but can deposit within 24 hours.

HoneyBook Capital loans are for business and commercial purposes only. Our customers use their loans to buy inventory or equipment, hire staff, open new locations, help with temporary cash flow needs, and more.

HoneyBook Capital is an invitation-only program for qualifying HoneyBook merchants. Eligible merchants will find an offer in the Capital section of their HoneyBook Finance tools. All offers are contingent upon a credit review, and receiving an offer does not guarantee loan approval.

You are unable to cancel your loan once you have accepted it, as funds are sent immediately after accepting a loan. Please reach out to [email protected] with further assistance on this.

No, you cannot access Capital loan info nor can you apply for a Capital loan through the app. You'll need to access HoneyBook from a computer to view that info or submit an application.