HoneyBook Capital gives small business owners fast access to funding with a clear, transparent fee structure and automatic repayment. Built for creative professionals and independent entrepreneurs, this financing option is designed to support your growth—without the hassle of traditional loans.
If you’re eligible, your personalized loan offer will appear in your HoneyBook Capital dashboard on the desktop version of HoneyBook. From there, you can review the terms and apply in just a few steps.
📣 Note
HoneyBook Capital is currently available to a limited number of users, but we’re expanding access soon—check back regularly to see if you’ve been invited.
What is HoneyBook Capital?
HoneyBook Capital is a streamlined funding solution that offers business owners quick access to working capital. Instead of complex repayment terms or compounding interest, you’ll pay a single fixed fee, clearly disclosed before you accept the loan. There are no late fees, no prepayment penalties, and no hidden costs.
Once approved, funds can land in your account as early as the next business day. This lets you immediately reinvest in your business—whether that means purchasing equipment, hiring talent, or managing short-term cash flow needs.
HoneyBook Capital loans are issued by First Internet Bank of Indiana, Member FDIC, and serviced by Jaris Lending, LLC. Eligibility is based on your sales history and is currently limited to select HoneyBook users who process payments through the platform.
What you can use a HoneyBook Capital loan for
HoneyBook Capital is intended for business and commercial use only. Eligible uses include:
Purchasing inventory, tools, or business equipment
Hiring or onboarding staff or contractors
Opening a new location or launching a new service
Bridging short-term cash flow gaps
Investing in marketing, technology, or operational upgrades
Whether you’re growing your team or optimizing your services, HoneyBook Capital is built to help you move your business forward quickly and confidently.
How HoneyBook Capital loans work
Getting and using a HoneyBook Capital loan is fast and straightforward. Here’s how it works from start to finish:
Receive a custom loan offer
If you’re eligible, you’ll see a pre-approved offer in your HoneyBook Capital dashboard when you select Finance > Capital from the navigation menu on the HoneyBook desktop site. Pre-qualification is based on your business activity and sales history. Offers are subject to a credit review and don’t guarantee approval requirements.
Select your amount and apply
Choose the amount you want—up to your maximum offer—and complete the short application. HoneyBook will pre-fill as much information as possible to speed up the process.
Accent the terms
Once your loan is approved, you’ll receive a full breakdown: the loan amount, fixed fee, repayment percentage, and estimated repayment timeline. Review and accept to activate your funding.
Get funded fast
Funds are typically deposited within 1–2 business days of approval, and often as soon as the next business day.
Repay automatically
Starting the day you receive your funds, a fixed percentage of your incoming HoneyBook payments will be deducted and applied to your loan balance. There’s no need to set reminders or track due dates. You can also make manual payments or pay off the loan early—with zero prepayment fees.
Most loans are repaid within 9 months, based on average sales volume. Need more time? Repayment can extend up to 18 months, with any remaining balance collected via ACH.
🔥 Stop
If you update your bank account during an active loan, reach out to our Support team to assist with your next manual payment.
Benefits of fixed-fee funding vs. traditional loans
One of the biggest advantages of HoneyBook Capital is its fixed-fee model, which removes the uncertainty of traditional financing. Here's how it compares:
Feature | HoneyBook Capital | Traditional loans |
Interest changes | None | Monthly, compounding interest |
Prepayment penalties | None | Often included |
Late fees | None | Common |
Monthly bills | Auto-deducted | Manually managed |
Hidden fees | Transparent terms | Varies |
Flexibility | Auto-pay by percentage | Fixed schedules |
Loan terms example
Loan amount: $2,000
Fixed fee: $300
Total owed: $2,300 (flat—no additional interest or charges)
Your fixed fee is calculated based on your repayment percentage, loan amount, and sales history. Everything is disclosed upfront in your loan terms, so there are no surprises.
New loan offer timing after final payment
Once you've made your final loan payment, it can take up to 5 business days for the payment to fully process and for your loan to be officially marked as paid off. If you're eligible for another loan, a new pre-offer will appear in your HoneyBook Capital dashboard after that processing window.
If more than 5 business days have passed and no offer appears, it means you're not currently eligible for a new loan. Eligibility is dynamic and based on several factors, including your sales history and transaction volume.
To increase your chances of receiving a future offer—and potentially a higher one—continue processing payments through HoneyBook. The more you transact, the stronger your loan eligibility becomes over time.
Still have questions? Feel free to send us a message by clicking the Question Mark icon on any HoneyBook page. Our team is always happy to help!