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-selected 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 less payments received
Delinquencies or bankruptcy associated with the business
Frozen credit reports, fraud alerts, or other identity verification issues
📣 Note
We’ll reach out to you to get these resolved. A decline will only happen if we can’t verify identity or get in touch with you. If you’re declined for this reason and feel it was in error, please feel free to reach out to our Support team by selecting the Question Mark icon on any HoneyBook page.
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 pre-selected offers. If your business qualifies again based on updated sales and account activity, a new pre-selected 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 HoneyBook | When to contact Jaris |
For errors in the HoneyBook Capital dashboard, for example, manual payment restrictions, reach out to our Support team for assistance:
|
Email: [email protected] Phone: (888) 802-2858 (Monday–Friday, 8:00 am–5:00 pm PT) |
📣 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 our Support team for assistance:
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”
Additional support considerations
Credit locks and fraud alerts
If your Experian 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 Experian 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 $10,000 can’t be issued due to local regulations
Ohio: Loans under $5,000 can’t be issued due to local regulations
HoneyBook is working to expand options in all 3 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 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!