The capital your business deserves.
The Huumans Capital Line is working capital, right inside the tools you already use. Draw what you need — for inventory, a slow month, or a big opportunity — and repay on a schedule that fits your cash flow. One flat fee, no interest, no surprises.
Capital LineNeed cash this week?
Draw any amount up to your limit. Funds land in your business bank account, usually the next business day.
Built for the small businesses that run their books on Huumans
Connect once, that’s it
Huumans already keeps your books. Add a secure, read-only bank connection and that’s all it takes to see your amount — no forms, no paperwork.
Pricing you can see
One flat fee, shown to the penny before you agree to anything. No interest, no late fees, nothing added later.
Draw anytime, for anything
It’s your line. Use it for inventory, a new hire, equipment, marketing, or bridging a slow month — and only pay for what you draw.
Transparent pricing
Know the cost before you draw
One flat fee, shown to the penny, split evenly across your repayments. No interest accrues and nothing is added later — the amount you agree to is the amount you repay.
- See the exact fee before you agree to anything
- Repayments come out automatically on schedule
- One fixed cost — it never grows or compounds
Illustrative example. Actual fee and limit depend on your Huumans financials.
How it works
From “we could use some cash” to funded — in minutes
Connect and get approved in minutes
Huumans already keeps your books. Add a secure, read-only bank connection, and we approve your line from real financials — no lengthy application, no paperwork.
Draw what you need in one click
When you need capital, tap “Draw funds” and choose an amount up to your limit. The money lands in your business bank account, usually the next business day.
Repay on your schedule
Split repayment over 4, 8, or 12 installments, aligned to your cash flow. Payments are collected automatically — nothing to track.
Fair by design
The Huumans Capital Line is built to help you move — not to trap you. Every part of it is transparent.
Flexible repayment
Choose 4, 8, or 12 installments to match how your revenue actually lands.
Limits sized to your business
Your available amount is based on the real financials in Huumans — so it’s right-sized and there when you need it.
No credit check
We underwrite from your Huumans accounting data and connected bank activity — not a personal credit pull. Your score is untouched.
Draw for anything
Inventory, payroll, equipment, marketing, a slow month — it’s a general line of credit, not a single-purpose loan.
One place for everything
Your capital, managed inside Huumans
Track your balance, upcoming payments, and available credit at a glance — right alongside your books. No third-party portal, no logins to chase.
Drawn
$18,000.00
Capital Line · drawn Mar 13, 2026
Repaid
$6,660.00
Remaining
$11,340.00
Flat fee
$432.00
May 8
Capital Line · installment 4/6
May 22
Capital Line · installment 5/6
Jun 5
Capital Line · installment 6/6
Available credit
$32,000.00
Auto-deduction · installment 3/6
Apr 10, 2026 · Repayment account
Capital Line drawn
Mar 13, 2026 · Deposited to bank account
Insight · revenue below 90-day average
Mar 12, 2026 · Huumans AI
Questions, answered
Eligibility is based on the accounting data you already keep in Huumans together with a secure, read-only connection to your business bank account. That combination lets us approve you in minutes — without a personal credit check or a lengthy application. Once approved, you'll see your available amount right inside Huumans.
The capital your business deserves
See your available amount right inside Huumans. No application, no credit check, no commitment.