Become a Small Business Investor
Honeycomb Credit is a first-of-its-kind community investment platform. You can earn up to 15.25%* by investing in locally-owned businesses around the country.
Over $30 million has been invested by thousands of local investors, and over $10 million repaid back to investors like you.
* This statement assumes the offering is successful, securities are sold, and repays as expected through maturity. This is a financial investment and there is no guarantee of a return; small business lending is risky and investors could lose part or all of their investment.
Discover set-rate investment opportunities from small businesses both in your neighborhood and across the country.
Join over 20,000 investors and a growing list of foundations building and growing alongside small business ecosystems across America.
Whether you’d like to start with $100, $5,000, or more, anyone 18 and up is able to add small businesses to their investment strategy.
Put your money into vetted small businesses.
At Honeycomb, we take each business and each investment seriously for both your financial safety and theirs.
Due diligence is performed on each business owner. We look at operating history, business plans, and financial viability to vet the investment while supporting the business owner’s plan and community involvement.
Support communities traditionally underserved by banks.
56%
Woman-owned businesses
47%
BIPOC-owned
businesses
47%
Businesses in low-to-moderate income communities
“We saw Honeycomb as a great opportunity to both help small businesses…while also growing our initial investment. We felt this was a win-win, where the money could both grow and do some good instead of just sitting in a bank account.” *
-Lisa & Jared
*Past performance is not indicative of future results and may not be representative of the experience of others
How to make your first investment
Invest in your community.
The money you invest in a Honeycomb campaign goes to the small business owner.
They use it to sign a lease, purchase new equipment, hire staff or fund many kinds of growth projects. Then they repay the money and interest rate back to you.
The interest goes back to the community (you), rather than a bank.
Harvie Farms
Honeycomb Story
Harvie Farms had so much success with their first Honeycomb campaign, that they ran two more!
Harvie's owner and CEO, Simon Huntley, ran a Honeycomb campaign to expand his business. He saw the value in tapping his community for investments, rather than a traditional bank.
"Investments from our community are deeply meaningful to me as they represent not only financial support but also a vote of confidence in our mission to build a strong local food economy. They demonstrate the shared belief and commitment to creating a sustainable future, fostering community resilience, and making a positive impact on the well-being of both our region and the environment." - Simon Huntley, CEO and owner of Harvie.
💡 Got Questions? We’ve Got Answers!
❓ How do I get my money back?
Depending on the offering type, businesses repay investors on a set schedule, usually quarterly. These terms are outlined per investment offering. Your repayments (including interest) go directly to your Honeycomb Wallet, where you can withdraw or reinvest anytime.
❓ How do I know which business to invest in?
Start with businesses you love! Many first-time investors choose local favorites like coffee shops, breweries, or sustainable brands in their neighborhood. You can also see tags like women-owned, minority-owned, LGBTQ+ owned, and more.
❓ What happens after I invest?
Once you invest, you’ll get updates from the business, track your repayments, and watch your portfolio grow. You’re not just an investor—you’re part of their journey.
❓ What if a business can’t pay me back?
Like all investments, local investing carries some risk. Businesses work hard to repay their investors, and our team carefully vets every offering—but sometimes delays or losses happen. Investors can vote on modified repayment plans and how they want to handle any changes to investment terms, like missed payments. Additionally, if an offering does not meet their target (minimum funding goal), investors receive a full refund at the end of the fundraising period.
❓ What’s the minimum investment?
You can start investing with as little as $100!
👉 Still have questions? Check out our Frequently Asked Questions!
Everything you need to know about investing with Honeycomb
Invest with your neighbors!
Join our community of 10,000+ investors with a mind for business and a heart for community.
Start investing with your friends, neighbors, and thousands of small business fans across the country.
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Cherrica invested in 2nd Semester Shop!