Flexible, on-demand financing for businesses

Behalf offers Business to Business (B2B) financing solutions that enable your business to apply for financing at the point of purchase. With Behalf, you can be confident your business has the purchasing power it needs, when and where it needs it.

  • Enroll in under 2 minutes

  • NET 30 or extended financing periods from 30 to 180 days*

  • Purchasing limits from $3K to $1MM*

  • Monthly financing fees from $1 to $3 per $100 spent*


Enrollment is quick and easy. Enroll in under 2 minutes: Five simple steps. Most US-based businesses in good credit standing, with positive annual business income and no recent defaults or delinquencies can enroll quickly. Hassle-free, no large sign-up fees, access to apply for business financing when and how you need it with each transaction!

Checkout with Behalf

Your business can use Behalf for almost any business transaction. Choose from hundreds of approved merchants within our network OR add your business' favorite merchants in minutes. Using Behalf as a preferred payment method for virtually any ecommerce order, sales order or invoice is easy and fast.

Set Financing Details*

Extended financing periods from 30 to 180 days -- available at low fixed fees of $1-$3 for every $100 spent, subject to availability and underwriting approval. Get a 10% ᐩ discount on financing fees each time you select a weekly estimated debit schedule for your business. Prefer NET 30 financing? Behalf offers that, too!

Apply for Financing and Place your Order!

Each Order Request or application for financing is processed through a transaction request. Save time and money with Behalf for purchases made online, in-store or over the phone as Behalf pays your merchant directly, on your business’s behalf, at the time of purchase. Merchants accepting VISA can be paid via a virtual card*.

Used by Leading Merchants

Our robust network of approved merchants means your business can use Behalf virtually anywhere!

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.


Sharing Knowledge to Power SMBs

Running a business is hard work, requiring expertise and strategic-decision making at every turn. We’ve been doing it for over 10 years and we still learn something new every day! We rely on information, industry insights and expert guidance to run our business — and we know you do, too. So we created to be a resource that will help inform, educate and guide your business through the decision spectrum and shifting landscape of business in America. Ideal for Owners, Executives, Functional Leaders and Managers, published monthly. Read on for insights, how-to’s, comparisons, industry news and more.

ᐩEstimated Debit Schedules made for weekly debit are the equivalent of 10% less in financing total cost spread evenly over the estimated debit schedule. Percentage is used for comparison purposes only. 


*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 www.behalf.com/legal-documents to review our comprehensive program terms, conditions and disclosures. Questions should be directed to Care@behalf.com 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.