HoneyBook Capital is designed to make business funding simple, fast, fair, and founder-friendly. This guide explains everything you need to know about qualifying for a loan, completing your application, receiving funds, and understanding where to find your pre-selected offer. If you have a HoneyBook Capital pre-selected offer, you can begin your application through the HoneyBook Capital dashboard. With no impact to your credit score and a simple repayment structure, it’s a smart step towards growth.

HoneyBook Capital is currently an invitation-only financing program, available to qualifying members who process payments through HoneyBook. Eligibility is determined primarily by your business’ sales history, account activity, and payment volume.

If you qualify, you’ll find your personalized pre-selected offer in the HoneyBook Capital dashboard on the HoneyBook desktop site or mobile app, which remains valid for 14 calendar days. All pre-selected offers are subject to credit review and aren’t guaranteed, even if you’re pre-qualified.

Your credit score won’t be affected during the application process, as HoneyBook performs a soft credit pull that doesn’t appear on your credit report. Additionally, personal credit is never reported—only business credit is impacted in the event of a loan default.

Collateral isn’t required, but borrowers must grant a first lien security interest in the company’s assets. This is standard for business lending and gives the lender enforcement rights if the loan defaults.

If you're eligible:

If you don’t see a pre-selected offer, your account is currently ineligible. Eligibility can fluctuate based on payment processing volume and transaction frequency.

Pre-selected offers can’t be manually generated, but HoneyBook reviews accounts daily and updates eligibility in real time. If your business qualifies, you’ll receive an email and see your pre-selected offer directly in the HoneyBook Capital dashboard.

If your pre-selected offer expires, it may be due to changes in your transaction history or projected payment activity. You can always check back later—we’ll reassess and provide a new pre-selected offer if your business meets updated criteria.

If you received a pre-selected offer in your HoneyBook account, applying is simple and fast:

HoneyBook pre-populates your application with any information already on file to save you time. To complete your loan application, you’ll need to provide:

If approved, your loan agreement will be available to view and sign electronically. You can download the full loan contract, review your final offer, and accept terms directly on the HoneyBook desktop site or mobile app. If you reject the offer, it’ll be removed from your HoneyBook Capital dashboard. You’re welcome to reapply at any time, as long as you remain eligible.

HoneyBook Capital is designed to get you funded quickly. Here’s what to expect after applying:

There’s no need to change how you receive client payments—loan repayments happen automatically, deducted as a set percentage of your client payments.

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!