HL Hunt Capital
Working capital, earned by processing with us.
HL Hunt Capital turns your processing history into a line of capital. We look at the last few months of sales you run through HL Hunt, make you an offer in your dashboard, and when you accept, the money lands in your balance the same day. You repay automatically from a fixed share of each sale, so on a $100 payment we might keep $20 toward the balance and send you $80. No application, no credit check, and nothing due on days you do not sell.
- Approved before your first charge
- No monthly fee or contract
- Same-day settlement
- Real humans on the phone
- 3 mo
- Of processing history to see your first offer
- ~1x
- Typical offer relative to monthly volume
- 20%
- Typical holdback from each sale
- 0
- Applications, credit pulls, or personal guarantees
What HL Hunt Capital gives you
Sized to your real numbers
Offers are based on the volume you actually process with HL Hunt, not a credit score or a bank statement upload. Process $10k a month for three months and a $10k offer is typical. As your volume grows, so do your offers.
Repaid from sales, not a calendar
A fixed percentage of each sale goes toward your balance until it is paid. Strong week, you pay more. Slow week, you pay less. There is never a fixed monthly payment to miss.
One flat fee, shown up front
You see the total payback amount in writing before you accept. No compounding interest, no origination fee, no late fees, and no penalty for paying it off early.
Same-day funds
Accept the offer and the capital is in your HL Hunt balance the same day. Move it to your bank with your normal payout, or spend it from your balance.
No disruption to your payouts
The holdback is taken before settlement, so your dashboard, ledger, and reconciliation already reflect it. Your net payout arrives on the same schedule as always.
Renew as you grow
Once you have paid down most of a balance, a renewal offer appears automatically. Many merchants keep a rolling line of capital funded entirely by their own sales.
Start using HL Hunt Capital today.
Create your account, get approved up front, and take your first payment today. No monthly fee, no contract.
How it works
- 01
Process with HL Hunt
Run your sales through HL Hunt for a few months. There is nothing to apply for. Capital watches your volume, approval rates, and dispute history in the background.
- 02
Accept your offer
When you qualify, an offer appears in your dashboard with the amount, the flat fee, the holdback percentage, and the total payback. Accept in one click.
- 03
Repay as you sell
Each sale is split automatically. On a $100 payment with a 20% holdback, $20 goes to your balance and $80 goes to you. When the balance hits zero, the holdback stops and a new offer is on its way.
Why funding from your processor beats a bank loan for most small businesses
Banks underwrite the past. They want two years of tax returns, a personal guarantee, and weeks of back and forth before saying no to most small businesses. HL Hunt Capital underwrites the present. We already see every sale you process, every refund, every dispute, and how your volume trends month over month. That is a far better signal of whether a business can repay $10,000 than a credit score, and it means we can make an offer without you filling out a single form.
The repayment model matters as much as the approval. A term loan takes the same payment on the first of the month whether you had a record week or a dead one. A Capital balance is repaid as a share of each sale, so repayment is always proportional to the cash actually coming in. A seasonal retailer, a restaurant with a slow January, or a contractor between jobs never has to scramble to cover a fixed payment.
We keep the cost simple on purpose. Every offer shows one number: the total you will pay back. There is no interest rate to decode, no compounding, and no penalty for repaying early. If you want to clear the balance in a week, you pay the same flat fee you would have paid over six months. The holdback percentage and the offer size are both tuned to your volume so that a typical balance is repaid in roughly a few months without stressing your cash flow.
Capital is built into HL Hunt Payment Processing rather than bolted on by a third-party lender. The holdback is taken inside our settlement engine, so it shows up in your real-time ledger, your reconciliation reports, and your AI Assistant. Ask it how much you have left to repay or what your effective holdback was last month and it will tell you. There is no separate portal, no separate login, and no separate statement to reconcile.
This is also how we think about partnership. The same up-front underwriting that lets us promise never to shut down your account lets us extend you capital when you need it. The more you grow with HL Hunt, the more we can do for you, and the capital you earn comes from your own sales rather than from a lender who has never seen your business.
What changes
HL Hunt vs a typical processor for HL Hunt Capital
| HL Hunt | Typical processor | |
|---|---|---|
| HL Hunt Capital | Included with every account | Add-on fee or third-party vendor |
| Underwriting | Done up front, before your first charge | After you start processing, often mid-month |
| Account freezes | Never without a named human and a reason in writing | Automated holds triggered by volume or category |
| Settlement | Same day to your bank, instant payouts available | 2 to 7 business days, longer for new accounts |
| Disputes | Dispute Agent assembles evidence and responds for you | You upload PDFs into a portal and hope |
| Support | Phone, chat, and email answered by payments staff | Ticket queue with templated replies |
| Pricing | Published rates or a written quote, no hidden markups | Tiered pricing, PCI fees, statement and batch fees |
Pricing
Simple, published pricing
One rate per channel, no monthly fee, and no contract. HL Hunt Capital is included at no extra cost on every HL Hunt account. Volume pricing is available once you process more than $250,000 a month.
- 2.6% + 10¢
- In-person and Tap to Pay
- 2.9% + 30¢
- Online cards and wallets
- 0.8%
- ACH bank transfers
- $0
- Monthly, PCI, or statement fees
Cards and wallets, any phone
Checkout, invoices, API
Capped at $5 per payment
Pay only when money moves
Everything included
One account covers all of it
HL Hunt Capital is one part of the platform. Every HL Hunt account ships with the full stack, so you never bolt on a second vendor as you grow.
- Cards, wallets, ACH & BNPLEvery major payment method enabled from day one.Learn more
- Tap to Pay on any phoneTake card-present payments with no hardware.Learn more
- Invoicing & virtual terminalBill by email, take payments over the phone.Learn more
- Subscriptions & billingAny pricing model, automatic retries.Learn more
- Instant payoutsPay yourself or anyone in 180+ countries.Learn more
- AI agentsFraud, disputes, recovery, reconciliation.Learn more
- Fraud & dispute defense500+ signals and automatic evidence filing.Learn more
- Ledger & reconciliationEvery sale, fee, and deposit in one view.Learn more
- Open API & docsEvery endpoint documented, with test mode from day one.Learn more
Get started
Set up HL Hunt Capital today
Create an account, confirm your business, and start processing the same day. Here is what you will need.
Prefer to talk first? info@hlhunt.org
- 01Legal business name, EIN, and a business bank account
- 02A website or product description showing what you sell and how you bill
- 03Government ID for the owner or an authorized signer
- 04Expected monthly volume and average ticket size
- 05Where you want to take payments: online, in person, or both
HL Hunt Capital FAQ
How do I qualify for HL Hunt Capital?
Process with HL Hunt. Most merchants see a first offer after about three months of consistent volume. There is no application. Offers appear in your dashboard when you qualify.
How much can I get?
Offers are sized to your processing history. A business processing $10,000 a month for three months would typically see an offer around $10,000. Offers grow as your volume grows and as you repay previous balances on time.
How does repayment work?
A fixed percentage of each sale, commonly 20%, is held back and applied to your balance before settlement. On a $100 payment you would receive $80 and $20 would go toward repayment. When the balance reaches zero, the holdback stops automatically.
What does it cost?
One flat fee that is shown in writing before you accept, included in the total payback amount. There is no interest rate, no compounding, no origination fee, and no prepayment penalty.
What happens if I have a slow month?
You repay less. Repayment is always a share of actual sales, so a slow month simply means the balance takes a little longer to clear. There are no fixed payments and no late fees.
Does Capital require a credit check or personal guarantee?
No. Offers are based on your HL Hunt processing data. We do not pull personal or business credit and we do not require a personal guarantee.
Can I pay it off early?
Yes, any time from your dashboard, at no extra cost. The flat fee does not change whether you repay in a week or over several months.
Is Capital available for high-risk industries?
Yes. Because offers are based on the volume and dispute history we already see on your account, merchants in industries other processors avoid are eligible once they have built up processing history with HL Hunt.
Still have questions?
Talk to a payments specialist, or create an account and see it for yourself.
Start accepting payments today.
Create your account in minutes. Underwriting is done up front, so you are approved before your first charge.