What Honeycomb Credit does

Honeycomb Credit is a Pittsburgh-based investment crowdfunding platform founded in December 2017 that operates as an SEC-registered funding portal and FINRA member under the JOBS Act. The company facilitates Regulation Crowdfunding (Reg CF) and Regulation A+ securities offerings, enabling small businesses to raise between $25,000 and $500,000 from community investors who can participate with a minimum $100 investment and earn 6-14% interest returns through quarterly repayments. The platform is differentiated by a community-driven model in which dedicated campaign managers work alongside borrowers to construct custom marketing strategies and investment offerings, with reported outcomes of an 80% campaign success rate versus a 23% industry average.

The company has facilitated over $30 million in investment across 400-500+ small businesses and 18,000+ community investors across 30+ U.S. states, with a notable borrower mix of 49% women-owned, 24% minority-owned, and 46% operating in low-to-moderate income communities. Revenue is generated primarily through transaction fees on borrower raises and loan servicing economics on the platform. The technology stack relies on third-party infrastructure including Dwolla for payments, Plaid for financial data aggregation, and North Capital Private Securities for broker-dealer and EFT processing.

Honeycomb has expanded its product surface through the launch of Honeycomb Climate (a climate-focused investment vertical in 2024), acquisitions of Raise Green (December 2024) and IFundWomen (April 2025), and native iOS/Android mobile applications. The company has raised over $19 million in disclosed funding across rounds led by Innovation Works, SustainVC, Muditā Venture Partners, and the American Family Insurance Institute for Corporate and Social Impact, with additional convertible debt activity through early 2026.

Name

Honeycomb Credit

Legal name

Honeycomb Credit, Inc.

Website

https://honeycombcredit.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Honeycomb Credit is a Pittsburgh-based SEC-registered investment crowdfunding platform that connects small businesses seeking $25,000-$500,000 in growth capital with community investors who can participate starting at $100, serving 400+ SMB borrowers and 18,000+ investors across 30+ U.S. states.

Ownership category

akta.pro rank

Product category

Investment Crowdfunding / Small Business Lending Platform

NAICS

Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industry

Microloans & Working Capital Loans (FSAKAGAA)

Keywords

• Investment crowdfunding
• Small business lending
• Peer-to-peer lending
• Community investing
• Regulation crowdfunding

Headquarters

HQ city

Pittsburgh

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Transaction/Fees from Borrowers: Honeycomb Credit charges fees to small businesses that raise capital through the platform. The platform has offered promotional fee waivers for specific campaigns (e.g., waiving transaction fees for NEIF investments during Small Business Saturday promotions).
2. Interest Spread/Credit Intermediation: As a lending platform connecting investors with small businesses, Honeycomb facilitates loan repayments where investors earn 6-14% interest. The platform acts as intermediary between borrowers and community investors.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Honeycomb Credit operates an SEC/FINRA-registered investment crowdfunding platform that enables small businesses to raise $25,000 to $500,000 from community investors under Regulation Crowdfunding (Reg CF) and Regulation A+. Businesses apply online and receive credit decisions within 24–48 hours, after which dedicated campaign managers help build and promote investment offerings. Individual investors can participate with a $100 minimum and earn 6–14% interest with quarterly repayments, with platform-issued offerings including NEIF preferred equity investment certificates.

Product overview

Honeycomb Credit operates as an investment crowdfunding platform that facilitates small business lending through community investment. The core offering is the Honeycomb Credit Platform, which enables businesses to raise $25,000-$500,000 through Regulation Crowdfunding while investors participate starting at $100. The platform includes a dedicated Climate vertical (Honeycomb Climate) for climate-focused investments. Following its April 2025 acquisition of IFundWomen, the platform expanded to incorporate IFW's women-focused crowdfunding marketplace and support services, creating a unified offering for diverse small business funding needs across the United States.

Differentiator

Problem solved

Functional benefit

Brands

• Honeycomb Climate: A division focused on climate and sustainability projects, enabling investments in environmental initiatives like solar-powered facilities and renewable energy projects.

Products and services

• Honeycomb Credit Platform SEC/FINRA-registered investment crowdfunding platform that facilitates Regulation Crowdfunding (Reg CF) and Regulation A+ securities offerings, connecting small businesses raising $25,000–$500,000 with individual community investors who can participate starting at $100 and earn 6–14% interest with quarterly repayments.
• Honeycomb Climate Climate-focused investment vertical within the Honeycomb Credit platform that enables investors to participate in climate and sustainability projects such as renewable energy and solar-powered small business facilities.
• IFundWomen Crowdfunding marketplace acquired in April 2025 that specializes in funding women-owned small businesses, integrating IFundWomen's funding marketplace and support services with Honeycomb Credit's platform to expand funding, coaching, and community resources for women entrepreneurs.

Quantifiable outcome

• Businesses see 60% average revenue increase after running a Honeycomb campaign
• +6 more outcomes

Named customers14 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Five partnerships are on record, tiered flagship, core and minor.

• National Energy Improvement Fund (NEIF)flagshipStrategic or Co-development Partner · 25 November 2025NEIF is a finance provider specializing in energy efficiency upgrades. Honeycomb Credit waived all transaction fees for NEIF Preferred Equity Investment Certificates during Small Business Saturday promotions. The partnership aims to increase affordability for energy improvements through community investment.
• IFundWomen (IFW)coreStrategic or Co-development Partner · 14 April 2025Honeycomb Credit acquired IFundWomen in April 2025, integrating IFW's funding marketplace and support services for women entrepreneurs. Karen Cahn, IFW founder, joined Honeycomb's board. The combined entity aims to expand funding, coaching, and community resources for entrepreneurs across the United States.
• Millie's Ice CreamminorOthersHoneycomb alumni business used for employee NIHITO (Nothing Important Happens In The Office) program where team members shadow local business owners to better understand customer needs.
• Various Pittsburgh Businesses (Pittsburgh Winery, Lash Nouveau, Pip and Lola's, Plenty Goods, Arboretum Trail Brewing, After the Fall Cider)minorOthersHoneycomb alumni and local businesses used for employee NIHITO program where team members shadow business owners to learn about customer experience and identify product trends.
• Karen CahncoreOthersFounder of IFundWomen who joined Honeycomb Credit's board following the April 2025 acquisition. She brings expertise in crowdfunding and women entrepreneur support.

Scale indicators16 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Wefunder: Largest Regulation Crowdfunding portal in the U.S., enabling community investment in startups and small businesses via Reg CF and Reg A+. Direct competitor to Honeycomb for SMB and issuer-side crowdfunding capital.
• Republic: Multi-asset retail investment platform offering Reg CF, Reg A+, and Reg D offerings across startups, crypto, and SMBs. Competes with Honeycomb on the issuer side and shares a community-investing narrative.
• StartEngine: SEC-registered funding portal focused on Reg CF and Reg A+ raises for startups and small businesses. One of Honeycomb's largest direct competitors in the SMB community-investing category.
• Mainvest: Investment crowdfunding platform focused specifically on Main Street SMBs — restaurants, brewpubs, and small retailers — offering revenue-share notes. Most niche-comparable peer to Honeycomb's food/beverage-skewed borrower base.
• SeedInvest: SEC/FINRA-registered startup investing platform supporting Reg CF, Reg D, and Reg A+ offerings. Comparable operating model as a regulated funding portal competing for SMB and early-stage issuers.
• NextSeed: Securities-based investment platform for SMBs (restaurants, breweries, food brands) operating under Reg CF. Closely comparable given shared food-and-beverage SMB focus and community-investor thesis.

Broad incumbents

• Funding Circle: Large online SMB lending platform operating in the U.S. and UK. Comparable end customer (small businesses seeking growth capital), but a much larger balance-sheet-driven incumbent rather than a community-investing portal.
• Kiva: Global nonprofit microlending platform enabling crowdfunded 0%-interest loans to underserved borrowers, including U.S. small businesses. Comparable community-investing model and impact orientation, but as a much larger, mission-driven incumbent.

Emerging players

• SMBX: Peer-to-peer small-business lending platform focused on SMB working capital via community investment. Direct emerging competitor in the same community-investing space, though with a smaller issuer funnel.

Others

• Honeycomb Climate (raise.green): Climate-focused investment crowdfunding platform acquired by Honeycomb in December 2024. Functionally a subsidiary rather than a peer, but operationally a community-investing platform for climate SMBs relevant to the Honeycomb Climate vertical.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/honeycombcredit
• Facebookfacebook.com/honeycombcredit
• LinkedInlinkedin.com/company/honeycomb-credit
• Instagraminstagram.com/honeycombcredit

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds11 records

Investors14 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Honeycomb Credit