Choose the Best in Business Financing. Choose Behalf.

Whether you’re a merchant looking to provide financing to your business customers — or a small or medium-sized business looking for cash flow solutions — Behalf is the proven and trusted partner to help you finance your business purchases with each approved transaction. Behalf’s experience and depth of knowledge allow us to empower your business on day 1 and evolve with you as your business grows in the years to come.

Used by Leading Merchants

Behalf was founded on the belief that affordable access to capital is essential to growing any business.


Powering B2B commerce with on-demand financing at the point of purchase

10+ years serving B2B merchants and their customers
  • Advanced decisioning models
  • Over 21,000 merchant partners served to-date
  • Over 135,000 small-medium sized business customers served
Financing Preferences tailored to each unique business customer*
  • NET 30
  • Extended financing periods: 60, 90, 120, 150, 180 days
  • Financing options selected for EACH individual transaction


Expertise offering financing across sales channels*
  • Innovating In-Purchase Financing
  • Purchasing limits from $3,000 to $1,000,000
  • Seamless customer enrollment and checkout 
  • Flexible integration options designed with merchants in mind


Partnership philosophy that puts your business first
  • Dedicated account management and support
  • Full-service marketing
  • Customized onboarding and launch planning

See how Behalf works

Behalf has been one of the most important partners I have had.

Launching my new business Behalf has been one of the most important partners I have had. Behalf gives me the power to make the purchases I need and pay it over time. I am now 4 years into my business and I still use Behalf frequently for my big purchases. Paying for big purchases in 90 days instead of "right away" stretches my cash flow which is a huge advantage. Strongly recommended!


Behalf has the best [solution] that I have seen available

Cash flow is a very important part of any business. Behalf has the best [solution] that I have seen available, and will work with you under literally any conditions. This is the best company that our business has ever worked with. I highly recommend anyone to give them a try. You will definitely not be disappointed in their services or representatives in the company.


*Subject to underwriting approval. Terms and Conditions subject to change without notice. See Simple Financing Examples. Each Financing Offer is made post enrollment with Behalf with each approved application for financing or transaction request. Enrollment into the Behalf Customer Portal (internet online account registration) is subject to Behalf eligibility checks of the business entity customer and responsible party connected to the business.  Businesses are assigned a Purchasing Limit, and preliminary information is presented on potential options regarding business financing, including information on potential financing period, and the anticipated estimated monthly financing cost at the time of enrollment with Behalf. The Purchasing Limit is not a line of credit but rather the total dollar amount of financing applications accepted at transaction. The financing details of the Financing Offer are confirmed when the enrolled Behalf customer applies for financing through a transaction request. 

Extended Financing options include an estimated 30-180 days of commercial purpose financing.  Monthly cost may vary based upon financing product and amount financed.  See Legal Disclosures for further details.   

Behalf’s NET option is an alternative financing method offered through Select Merchants and allows the Business Customer to pay no financing fees if the Order Request is satisfied in full and in accordance with terms and conditions within 30 days. Estimated Monthly Debit(s) as listed in the portal under the Transaction Summary will set forth the estimated timing (the “Debit Schedule”) and amount (the “Debit Amount”) of the expected debits of the Total Outstandings and the amount of the Order Payment. 

The Virtual Card is not a credit card but a merchant payout vehicle whereby Behalf is the cardholder of the VISA card issued through Regions Bank and processor Stripe, Inc.; Behalf customers are assigned a number for checkout, as authorized users, for approved transactions to facilitate the processing of the financing proceeds directly to the merchant. Transactions must be individually underwritten and approved before each Virtual Card use. Standard credit card processing fees may apply. Business hours are Monday to Friday 9 a.m. EST to 6 p.m. EST excluding federally observed holidays. Processing time subject to Cut-off times, Monday to Friday 9 a.m. EST to 5 p.m. EST.  Delays may occur, e.g., when more information required.

Visit to review our comprehensive program terms, conditions and disclosures. Questions should be directed to 1-(877) 943-9962.

All Merchant Cash Advances are made by Behalf.  

All business loans are made by FinWise Bank, a Utah-chartered bank located in Murray, Utah, member FDIC, Equal Opportunity Lender.  For more information on ECOA CLICK HERE. For more information about opening a new account, review USA Patriot Act HERE.  For more information on the Loan Program CLICK HERE.