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Overall Score

LAST UPDATED: October 28th, 2022

Founded by entrepreneurs similar to you, Behalf's objective is to ease the process of borrowing money. It is quite different than your typical alternative lender in that they designed their service in a way which allows you to build and maintain relationships. Consumers that choose Behalf should remember that they must have a credit score of 550 or higher.

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The Good

  • Soft Credit Pull
  • Process
  • Free Credit Line
  • Few Limitations
  • Protection

Soft Credit Pull

Because this process has been made simple, they do not regularly use your credit score against you. Since you must provide them with your social security number, you might be afraid that they will damage your score. However, they make sure that they do not risk your credit score, as they perform a soft credit pull as opposed to a hard one. During the application process, they might scan your company's social media pages or your credit score in order to determine how risky it would be to loan you capital. Sometimes, they make the decision based solely on other factors, but they need your social security number for identification purposes regardless. 


In order to apply, you must make an account and supply them with your:

  • Full name
  • Home address
  • Business name
  • Business address
  • Social security number

Immediately after filling in this straightforward application, they give you an idea of which credit line you would be eligible for. This offers you a quick overview of the capital that you will be able to obtain, the interest rates, and how long you will have to pay it back.

Free Credit Line

You get up to $50,000 without building up a credit line with them. Once you start paying them back consistently, they provide you with more capital in your quest to build a more successful business. This is an opportunity that their competitors normally don't offer; alternative lenders typically base your capital loan on your original credit report.

Few Limitations

Behalf is not going to attempt to control every purchase you make with the capital they lend you. If you need to buy supplies for your business, invest on your website, or even pay for an occasional legal service, they will not stop you, so long as you find the way to pay them back within the allotted time period.


The website claims that they use high levels of protection in order to keep your personal information from leaking or being stolen. They also do not share your personal information without your sole discretion.


The Bad

  • Low Acceptance Rate
  • Limited Funds
  • Repayment Period
  • They Report on Your Behalf
  • Not for Personal Use
  • Fee

Low Acceptance Rate

Although it seems as though 40 percent is high in comparison to many companies, it is actually two percentage points above the average six-month loan, and approval rates can vary greatly by industry. However, at an average of 38 percent, alternative lending institutions normally use your credit score as their main incentive to accept or reject your application. Behalf's well-rounded approach is what makes the company a convenient option.

Limited Funds

If you are looking to expand your business drastically, or your business is already large and you need extensive supply coverage, the maximum amount that you can borrow at any given time is $50,000, which is only convenient for minor expenses or businesses that simply need polishing.

Repayment Period

Like Kabbage, you are able to pay back your loan in a time period of up to six months. Many competitors offer this same repayment period. This might be difficult, depending on your company's success rate, so it might be something to consider before accepting a loan from them in the first place.

They Report on Your Behalf

Behalf reports directly to the business credit bureaus. This is only beneficial if you actually manage to meet your dates. Although this might seem to have a purely negative connotation, it could also be a good thing. If you feel as though your credit report should improve, and you show Behalf that you are capable of responsibly paying back the loan, they are able to report positively, thus improving your actual credit score. They claim that they do not yet report to personal credit bureaus, but that their business credit bureaus include D&B, Experian, and Equifax.

Not for Personal Use

The website clearly states that the money cannot be used for personal gain. This means that you cannot use their loan to pay for personal debt, including your payroll, credit card bill, your bank loan, your rent, or yourself.


If you wish to change your repayment plan (in the case that you simply cannot make a certain payment on time) there is a $20 fee imposed.


The Bottom Line

Because Behalf performs a soft credit pull, and because they are quick in generating a response, you should be able to apply and determine for yourself whether you believe that they are compatible with you. Behalf is a company that truly aims to make a difference in your life and business. If you are in the process of starting or slightly expanding your small business, and believe that you can meet the repayment amounts and dates, this might be the perfect match for you. In our opinion, Behalf's positive attributes overpower the negative ones, and if their loan plan makes sense for you and fits your business, we definitely recommend them. They are a personable lending institution, aiming to reduce the tensions involved in such a process, and willing to give you the flexibility and benefit of the doubt. We concluded that they are credible, reliable, and offer a variety of different payment and repayment options, making it suitable for many different industries.

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17 Reviews

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Watch Hill Raleigh, NC

I decided to write a review after seeing the other reviews here. Behalf is a loaning institution who offers short term loans for small businesses with easy payment terms. Once you are approved, you are given a credit limit. As long as your needs do not exceed the credit limit, any loans are generally available within a minute or two. One person mentioned they pull the credit report with every loan. This is not true. I have been using Behalf for nearly 2 years and they have only pulled the credit report when I was first authorized. I was given a $30,000 limit and have not seen any other inquiries on my credit since and I use them to pay for larger purchases every 2 or 3 months. Another person mentioned it was difficult to find a company who "accepts Behalf". I don't understand this because Behalf generates a single use credit card with each loan. Granted, they need to get information to the vendor you're paying, but it literally took me all of 3 minutes to set up an account for one of my vendors. That said, they do not actually have to have an account with Behalf. Since you're paying with a single use credit card, you are only restricted to vendors who accept MasterCard. I have had zero problems getting vendors to accept payments through Behalf. Another person mentioned poor customer service. I don't think that could be farther from the truth. I have had several instances where I needed to speak to someone in their offices and have always received a call back within a couple of hours. I have found them to be polite and helpful in every instance I had the occasion to speak directly to them. I have been very happy with the service I have received from Behalf and their loans have helped my company stay open on more than a couple of occasions! I'm able to set the payment terms most convenient to me and can arrange the funds to be paid directly from my bank account automatically. It's a fantastic service for business owners who make larger purchases and wish to spread the payments out a bit.

5 years ago

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Carie Jones Hamden, CT

Honestly I really loved doing business with Behalf, the relationship was very good . Been in business for 13 years , once we connected with Behalf the Business scores increased dramatically . Before the change , our buying power purchasing reached $50,000. 😊 This was a great experience . Being in the health care business this was so helpful . Thank you so much Behalf for that relationship. Hope we able to connect again . Konedu Home Care , LLC Carie

1 year ago

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Raouf zainatieh Tulsa, OK

I like to share my experience about this company . The process For applying was easy. I end up getting approved for 10.000 . The only reason I applied because it was an authorized vendor with B-stock which I used a lot . So every time I used them to buy an auction , I save $25 by paying directly to my vendor ( saving on bank transfer fee ) . I set up direct pay with my business account so the process is easy . It frees my cash to focus on buying other things . I have very good experience with then and I can always reach them by email .

3 years ago

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Glen Coffield Altamonte Springs, FL

My experience was fine for several years. My line was increased up to $35,000. I paid my bills on time and then all of a sudden and with no notice they completely cut off my credit line. Candidly it wasn't a hardship as I have been in business for 27 years and have credit lines with all of my vendors and a $250,000 line of credit with DLL. The only issue was that I sometimes buy from vendors who don't offer Net Terms and this was a viable alternative to having to wire transfer funds. Had a similar experience with Kabbage. I do several million dollars a year in sales in my business and they had a place in my credit portfolio. Shame they wouldn't communicate why...that's my only beef...other than that they were fine

1 year ago

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Peter Nyiri Jacksonville, FL

It is great for a starting small business if you have a plan to double the money. They approve you instantly or within hours. On your first payment they may ask you for emailing your ID for verification. We got a $4,500 limit and 2% monthly fee, even though we are a brand new business. This also depends on your personal credit score, e.g. my wife got a higher limit than I did as her score is better. We need to pay back in 3 months, the same amount debited every week. This way we were able to buy 2 pallets of merchandise for eBay and Amazon resale.

7 years ago

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Dotsik W San Bernardino, CA

Everything was going good. They helped my business stay afloat during the pandemic. I did business with them for more than 2 years the out of the blue they just decided to cancel my account. Never missed a payment never was there ever any issues until they cancelled my account and blocked me from even requesting a reason why. Going through all the accounting they made a lot of money out of my business during those two years, a lot and they simply just decided to cancel me out and begin ignoring everything? Weak move on their behalf if you ask me. It’s like if they’re hiding something but won’t tell me how to fix it. It’s ok I found another company that is giving better rates than them. I am really going to miss doing business with them though…. I’m still trying to figure out what happened :/

2 years ago Edited June 20, 2022

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ken Sterling, CO

They are the worst company I have ever dealt with. I apply with PERFECT credit and the turn me down and say contact Experian. I have sent them numerous emails explaining you must have me confused with someone else. Your making a mistake, because I have a 750 credit score, 18% utilazation rate. No lates No leans No public records. and all I get back from them is .......... thank you for the information, if your Experian report changes we will be glad to look at it again. They tell me to call Experian, I Have. They, Experian tells me they ( Behalf ) have never pulled a soft or hard credit check on my report. STAY AWAY FROM BEHALF they have POOR and INEPT customer service. Any company that you can not contact with a Direct phone number, should be a waring sign of problems to come. I have sent numerous polite emails to them with information. They don't read them. I have called there 3rd party answering service 3 times.

5 years ago

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Richard Fallon Greenwood, MO

Easy straight forward financing although not the easiest interface and finding wholesalers or companies that accept behalf is a real task. If they had an easier way to select vendors it would be 5 stars.

6 years ago

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RecordPlayerz Napa, CA

Yes, such a crummy low class operation, nobody answers call or calls back. And now that covid19 comes they turn their back on all the customers that aren't high credit limit customers. I have perfect payment history yet they claim covid19 fault they froze my account and won't do business with me. YET claim that they are still taking on new accounts . I guess I'm just not good enough. They want big spenders and/ or are discriminating. These people ARE NOT THERE FOR YOU WHEN YOU NEED THEM.

3 years ago Edited September 14, 2021

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Anita B Atlanta, GA

I had been using Behalf for my venders for years. Suddenly, they wouldn’t process my orders stating they needed my personal information including my social. Because that information had been submitted years prior, I tried several times to reach out to them. They no longer have a customer service department. Only a call center that takes messages. They have been responding via email, but not addressing my concerns. It’s troubling they claim to not have my information after years. Their system may have been compromised.

4 years ago

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MUSTAFA Brooklyn, NY

I have had Behalf for 1 year now. And they have incorrectly taken away my credit line This credit company also has no one you can readily speak with, you must leave messages until someone responds. It is very frustrating and as a business owner you must constantly log in to make sure they don’t make mistakes on your account. Its not a real credit line

4 years ago

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David Levin Spring Valley, NY

This company is horrible for one friken reason it makes you excited you are approved for $10,000 -50,000 dollars and you get excited here it comes thay pull a hard inquiry on your credit after thay hearted your credit report thay will just make a new credit pull every time you use it and wont even except you!!!!!! So subtotal=thay hearted my credit and no money note: i raed a review before and i didn't believe the review BUT NOW I DO!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

6 years ago

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Oliver Chicago, IL

The worst customer service I've ever experienced. It is true they will initially approve your limit and then retract that approval in an instant. Best of luck trying to call a customer account representative mine was named Ari S. no returned calls. I was able to leave messages but none of my calls were returned.... just very disappointing and poor service period.

6 years ago

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JK ,

Use to be a decent experience. Shutting off a line of credit because of COVID 19 is insane. No late payments or issues from my account. Shame on them.

4 years ago

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m s New York, NY

horrible company , don't do business with them its mostly a waist of your time , back and forth via email and they don't get anything done

4 years ago

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Eddie Philadelphia, PA

They've changed there services as I do not see where to apply. This page needs to be updated.

7 years ago

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Jeremy Tyson Watertown, WI

Beware of the high fees they charge for financing.

2 years ago