From the loan application process to repayment logistics, HoneyBook Capital is designed to be fast, flexible, and easy to manage. However, sometimes members experience issues like declined applications, banking errors, or questions about changes to their loan. This article provides clear guidance on how to handle common scenarios and where to go for support.
Why your loan application was declined
Receiving a pre-offer through HoneyBook Capital doesn’t guarantee final loan approval. Every application undergoes a final verification and credit assessment. If your application is declined after this step, you’ll receive an email with a brief explanation.
Common decline reasons
Material changes in business health, such as a drop in sales volume
Delinquencies or bankruptcy associated with the business
Significant drop in credit score or frozen credit reports
Fraud alerts or other identity verification issues
HoneyBook and its lending partner, Jaris Lending, LLC, are working to improve transparency in the review process and regularly re-evaluate sellers for future eligibility.
📣 Note
A declined application doesn’t permanently disqualify you from future loan offers. If your business qualifies again based on updated sales and account activity, a new offer will appear in your HoneyBook Capital dashboard.
Who to contact for loan questions
Support for your HoneyBook Capital loan is shared between HoneyBook and Jaris, depending on the issue. Here’s how to reach the right team:
When to contact Jaris support
Bank account updates for loan repayment
Manual payment issues
Loan repayment after canceling your HoneyBook membership
Errors in the HoneyBook Capital dashboard, for example, manual payment restrictions
Wiring or ACH repayment instructions
Any issue with a loan already in progress
Email: [email protected]
Phone: (888) 802-2858 (Monday–Friday, 8:00 am–5:00 pm PST)
📣 Note
Changing your account information in HoneyBook doesn’t update your HoneyBook Capital loan account—contact Jaris directly to make changes.
Can I cancel my loan?
Once you accept a HoneyBook Capital loan, cancellation isn’t possible. Funds are disbursed immediately upon acceptance. If you need support after funding, please contact [email protected] for assistance.
Additional support considerations
Credit locks and fraud alerts
If your credit is frozen or locked, Jaris may not be able to complete the soft credit pull required to process your application. Please unlock your credit through the appropriate agency (Experian, TransUnion, or Equifax) before submitting. If a fraud alert exists on your report, Jaris will reach out to confirm your identity.
Bank deposit issues
Some banks—especially neobanks like Chime—don’t accept one-time ACH deposits. Ensure the account listed in your application can process same-day ACH transfers to avoid funding delays.
State-specific loan limitations
Rhode Island: Due to regulatory constraints, loans under $25,000 aren’t currently available to sole proprietors
New Mexico: Loans under $5,000 can’t be issued due to local regulations. HoneyBook is working to expand options in both states.
If you're ever unsure who to contact or how to resolve an issue with your HoneyBook Capital loan, start with the HoneyBook Capital dashboard or reach out to Jaris support for direct loan servicing questions. We're here to help you navigate every step.
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!