Having trouble finding what you're looking for?
Try putting your search term(s) in quotations!

Mini Converter "Mini Converter"

Introducing Behalf Financing

Behalf Financing

Run Your Business on Your Terms

Take control of your cash flow. Choose your payment terms on everything you buy for your business.

Pay Who You Want

Use Behalf in place of checks and put an end to worrying about who accepts your card

When You Want

Buy what your business needs today, then design your ideal payment schedule

Control Your Cash Flow

Pay on your terms and get more working capital to power your business

It’s not a credit card. It’s not a loan. It’s the best of both worlds.

Like a card, Behalf is convenient and gives you extra time. Like a loan, Behalf can fund purchases for vendors that only accept cash.

Behalf can advance payment to your vendor today.

Then, you choose the payment terms that work best for your business. Behalf can pay virtually any vendor, so you can take your terms with you everywhere you buy.

Pay-in-full quickly or create an extended plan.

Many Behalf purchases are eligible for Net Terms, giving you 7-45 extra days to pay at no cost to you.

Sign-up for free and you’ll only pay for the terms you choose.

Use Behalf a little or a lot: there are never any fees to open or maintain your account.


Our fair and transparent fee structure keeps you in control



*Fee is based on your creditworthiness


  • No Origination Fee
  • No Annual Membership Fee
  • No Variable Rates
  • No Penalty APR
  • No Pre-Payment Fee
  • No Maintenance / Inactivity Fee

There are many pros and cons to consider when sourcing capital for your business.

Behalf is a Merchant Cash Advance, which is a working capital solution for healthy companies. Read below to understand how a Merchant Cash Advance compares to your other business funding options.


A Merchant Cash Advance (MCA) advances you money your business needs today, against revenues you know are coming in tomorrow. It is an affordable way to access working capital to cover the short term cash flow gaps many businesses encounter as they grow. Since the funds are advanced for a specific purchase and drawn directly from your incoming revenue on the schedule you set, you are protected from overextending. See how a Behalf MCA compares to other sources of funding below.


Business Credit Cards are convenient, when your vendors accept them. However, you should carefully consider the cost implications of using a card to finance large purchases. When you don’t pay your balance in full, you will be charged interest on your Average Daily Balance – not just on the purchase you needed extra time. Any late payments can also trigger a penalty APR, which can double your finance costs.


A Line of Credit or Business Loan may seem like an affordable option, but carefully review the fine print before proceeding. A straight interest rate comparison will not tell you the full story. You will often find origination fees, which are processing costs associated with underwriting, that can add 2-5% to the cost of your loan depending upon the bank or online lender. Some loans come with additional maintenance or inactivity fees, in which case you could end up paying for access to funds that you never use. It is important to understand the total cost of financing – not just the interest rate – before making credit decisions.

Using Behalf to fund your business purchases through a Merchant Cash Advance has no hidden fees. Behalf will assign you one fixed Advance Fee, from 1-3% per month, based on your credit profile. You only pay for the terms you choose, and your scheduled debits will be conveniently drawn directly from your business bank account. If you are a healthy company looking to increase your working capital so you can grow faster, Behalf may be right for you.

Take a minute and see what Behalf can do for you right now!

Back to Credit ResourcesVisit www.behalf.com | Behalf FAQ