You'll need about 10 minutes to fill in the form.

To fill out the application:

1. Go to the Finance tab in the top navigation menu.

2. Select Start Now.

3. Fill out the application with your personal and business info, and upload an official ID.

You'll get an email within one business day letting you know that processing is done.

You'll get new ways to better manage your business funds and understand your cashflow:

Your HoneyBook Finance business checking account shows your current available balance. Deposits and debits appear in your list of account transactions:

A dedicated business debit card has multiple benefits that are both convenient and can improve your financial management.

Using your HoneyBook debit card for business expenses gives you valuable financial insights that can directly affect your business decisions.

Expenses paid with your HoneyBook debit card—physical or virtual—are debited from your available balance and are automatically categorized so you can track where your money is going. Learn more about debit card expense categories.

Recorded transactions make it easier to monitor and categorize expenses for budgeting, accounting, and tax purchases.

Client payments are auto-connected to a project. By connecting related expenses to the same project, you get real-time project worth: net client payments minus business expenses paid with your HoneyBook debit card or otherwise assigned to that project.

You'll get a comprehensive understanding of the profitability and success of individual projects. With this information, you can:

As a business owner, you can make informed choices and strategically steer your projects towards long-term success.

At a glance, your Finance Dashboard shows your net revenue for the last 30 days: net client payments minus business expenses paid with your HoneyBook debit card or otherwise assigned to the project.

This valuable information lets you effectively manage your business finances:

Getting a clear picture of your net revenue cashflow ensures the stability and sustainability of your business while optimizing financial strategies for long-term success.

This is a strategic and proactive approach to tax planning that minimizes your tax liability and can create financial savings.

You can automatically save a percentage of every payment based on your own chosen percentage (which ideally matches your expected income tax rate).

You have complete control over your savings bucket.

It's very simple! Your net client payments are deposited directly into your HoneyBook Finance business checking account—they make up part of your available balance.

Your net client payment is reached after these deductions are made:

You can get paid, make payments, save for taxes, create savings buckets, and more all in HoneyBook—and this gives you actionable cashflow insights.

But, when needed, you can easily transfer money to an external bank account.

To transfer money:

1. Go to the Finance tab in the top navigation menu.

2. Select Actions → Select Transfer money.

3. Select the transfer's recipient.

a. You can add new recipients at the bottom of the drop-down menu. Learn more about adding new transfer recipients.

4. Confirm that the recipient's email is correct (if needed) → Select Confirm Details.

5. Enter the transfer's amount and reason for transferring → Select Next.

6. Review the transfer details → Select Verify Your Identity.

7. Enter the 2FA code → Select Verify Your Identity.

8. Select Done.

The money transferred will land in the recipient's account within 1–2 business days. If the funds are not received in that time, contact support by selecting the purple question mark (?) icon in the bottom-right corner of your screen.

When you joined HoneyBook Finance, you opened a business checking account, so now all client payments made to you will be deposited in your new checking account. But, when needed, you can easily transfer money to an external bank account.

While HoneyBook Finance will help you manage your business and finances, QuickBooks is accounting software that you or your accountant may already be using and should continue to use. You can connect these two accounts together to send HoneyBook Finance transactions and money transfer data to QuickBooks.

You can also download account statements (as PDFs) and transaction spreadsheets (as CSVs) to load into QuickBooks instead of connecting the accounts.

To download your account statements:

1. Go to the Finance tab in the top navigation menu.

2. Select the 3-dot icon → Statements & documents → Pick a year.

3. Select the Download button next to the months you want to download.

Right now, only the business owner can view the HoneyBook Finance dashboard.

Currently, both regular checks and cashier's checks are not available through HoneyBook Finance. If you need regular checks or get a cashier's check and want to use the funds in your HoneyBook Finance account, you'll need to transfer the funds into an external account.

To update your HoneyBook Finance account info, contact support.

To contact support:

1. Go to the question mark (?) icon at the bottom-right corner of your screen.

2. Select Contact support and send them a message.

Please note that transaction limits are hard limits and cannot be adjusted at this time.

While there are no payment limits, some payments can take longer to process. Here's how long each payment can take to post:

Transaction limits relate money you transfer into and out of your HoneyBook Finance account, and any time you use your physical or virtual debit card to pay.

For money transfers:

For purchases made with a HoneyBook Finance debit card:

These are hard limits and they cannot be adjusted.

No, you will not receive a 1099-NEC if you've used your HoneyBook Finance checking account to pay out any contractors. You should discuss with a tax professional to decide if you need to supply your contractors with a 1099-NEC as well as for help filling out and filing the form if it's needed.