Honeycomb Credit is an investment crowdfunding platform connecting small businesses looking for expansion loans with community members looking to Invest Local.

Join investors


4.5% - 12%

Asset Class Return1Y

#20 Rank

In Lending30d


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Be proud of where you invest with small business loans, crowdfunded by you. Honeycomb Credit unlocks growth opportunities for small businesses to build vibrant, financially empowered communities. Earn 5-12%+ interest and get a whole lot more: deeper connections with your community and the businesses you love. The average Honeycomb investment is $1,000, and you can start investing with as little as $100. Small business investing used to be something only available to a select few. Now, anyone can invest!

Things to Know

  • You make money on


  • Fees


  • Min Investment


  • Payout frequency


  • Term of investment

    12+ months

  • Target Return

    5% - 12%

  • Liquidity


  • Open to

    All Investors

  • Mobile Application


Top Perks

  • Join in turning local business dreams real

  • Support local businesses starting at only $100

  • All businesses are vetted by experts

See inside MoneyMade’s 6-figure multi-asset portfolio


12+ Assets

50+ Platforms

4yr+ Returns

How you make money

You will own a promissory note of the business that borrowed the money. Kind of like a loan from a bank, they'll make repayments back every month. Except, unlike a bank, all of the repayments will go back to you, the investor. If a business pays on-time, your share of the repayment will be distributed to your bank account every 3 months.

How Honeycomb makes money

Honeycomb charges Stroll LLC a $100 posting fee and a 6.0% loan origination fee on the total amount funded. Additionally, to cover expenses associated with each investment, Honeycomb charges a 1.40% investment fee capped at $37.25 per investor.

Is it safe?

In the event that a business stops making principal and interest repayments required under the Note Purchase Agreement you sign with them, the loan will be considered to be in default. At this time, as an investor, you will have the opportunity to vote on your desired remedy whether that be seeking maximum reimbursement, forgiving all or part of the remaining loan, or some alternative in between. Some loans will be personally guarantied by the business’s ownership and/or have collateral which may be used to recover some investor losses in the event of a default.

  • Established


  • Country Available

    US Only

  • Assets Managed


How You're Taxed

Income Tax

Income Tax

Profits earned from P2P Lending are taxed at ordinary income tax rates. This means that profits are added to your total income for the year.

You can receive income from P2P lending tax free if you invest using certain accounts.


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