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 offer. If you've received a HoneyBook Capital offer, you can begin your application at any time through the HoneyBook Capital dashboard. With no impact to your personal credit 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-offer in the HoneyBook Capital dashboard on the HoneyBook desktop site, which remains valid for 10 calendar days. All loan 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 ensures repayment if the loan goes into default.

If you're eligible, your personalized pre-offer will appear in your HoneyBook Capital dashboard when you select Finance > Capital from the navigation menu on the desktop version of HoneyBook. If you don’t see an offer, your account is currently ineligible. Eligibility can fluctuate based on:

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 offer directly in the HoneyBook Capital dashboard.

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

If you’ve received a pre-offer in your HoneyBook account, applying is simple and fast. Just log in to the HoneyBook desktop site to begin, as loan access and applications aren’t currently available in the mobile app. From the navigation menu, select Finance > Capital to access your HoneyBook Capital dashboard.

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:

Once approved, your loan agreement will be available to view and sign electronically. You can download the full loan contract, review your offer, and accept terms directly in your HoneyBook Capital dashboard if you select Finance > Capital from the navigation menu. If you reject the offer, it’ll be removed from your dashboard. You’re welcome to reapply at any time.

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!