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 pre-selected offer will appear in your HoneyBook Capital dashboard on the HoneyBook desktop site or mobile app. From there, you can review the terms and apply in just a few steps.
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 you accept your offer, funds can land in your account in minutes. 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 only offered within the U.S., issued by First Internet Bank of Indiana and Member FDIC, and serviced by Jaris Lending, LLC. Eligibility is based on a variety of factors and currently limited to select HoneyBook users who process payments through the platform.
Eligibility criteria for HoneyBook Capital loans
Not seeing a loan offer? HoneyBook Capital eligibility is based on factors like your payment volume and history using HoneyBook. To help improve your chances:
Get paid online through HoneyBook instead of checks or cash
Maintain consistent transaction activity for at least 3 months
What you can use a HoneyBook Capital loan for
HoneyBook Capital is intended for 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 pre-selected offer
If you’re eligible, you’ll see a pre-selected offer in your HoneyBook Capital dashboard on the HoneyBook desktop site or mobile app. Pre-selection is based on your business activity and sales history. Pre-selected offers are subject to credit approval.
Select your amount and apply
Choose the amount you want—up to your maximum pre-selected offer—and complete the short application. HoneyBook will pre-fill as much information as possible to speed up the process. Your loan application will be reviewed within one business day.
Accept the terms
If 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
Depending on your bank, funds may be available within minutes following offer acceptance, but could take up to 1–2 business days.
Repay automatically
Within a few days of you receiving 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 through 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:
Select the Question Mark icon on any HoneyBook page
Select Message us > Send us a message
To connect with a person, enter “Talk to a person”
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 |
Example of loan terms
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 pre-selected 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-selected offer will appear in your HoneyBook Capital dashboard after that processing window.
If more than 5 business days have passed and no pre-selected 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 pre-selected 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!