Huumans Review 2026Apply Now Check if I Qualify ↓
Written and analysed by Smarter Loans Editorial Team · Reviewed by Rafael Rositsan
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Three questions checked against Huumans's published criteria, per product. No application started.
Huumans names a light gate: $6,000 in monthly revenue, 12 months in business and 6 months of bank history - and profitability is explicitly not required.
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4 reviews from borrowers who used Huumans. Each is submitted by a verified borrower and moderated for authenticity; it renders as written, positive or not, and lenders cannot remove it.
Funded my construction business. Great team.
Got 100K from Huumans for my construction company.
I appreciate their team's help and knowledge.
Quick funds, helped us buy the inventory we needed in time.
Huumans is a Calgary-based small business platform founded by operators including Wagepoint co-founder Bill Murphy. Through HuumansOS it offers financing alongside payroll, foreign exchange, a health spending account and a marketplace of 150+ advisors and service providers.
Two products, both up to $100,000: a Working Capital Loan - a lump sum repaid on a fixed 3, 6, 9 or 12 month schedule - and a Business Line of Credit with a credit limit of $1,000 to $100,000 and a $1,000 minimum draw, where each draw becomes its own fixed-repayment loan, so you only pay on what you actually use.
Most approved applications are reviewed and funded within 24 to 48 hours of completion.
Businesses with at least 12 months of operating history, $6,000 or more in monthly revenue, and a business bank account showing 6+ months of history. There is no hard credit check - only a soft pull - no personal guarantee, and profitability is not required. Excluded industries: cannabis, adult entertainment, crypto and gambling.
There is no hard credit check - Huumans performs only a soft pull, which does not affect your credit score. Underwriting is based on bank transaction history, cash flow, verified revenue, time in business and your industry.
No. Huumans funds without a personal guarantee and without collateral paperwork - and profitability is not required either.
Pricing is a factor rate of 1.03 to 1.12, depending on your term and business profile - by Huumans' own figures, total cost works out to approximately 12% to 30% APR. A one-time $100 management fee applies at funding. Shorter terms carry a lower total cost, and Huumans itself says its pricing is higher than a bank loan and recommends bank financing if you qualify for it.
Repayment is by fixed monthly automatic debits on a 3, 6, 9 or 12 month schedule, so you know your exact payment and end date from day one. You can repay early anytime from the dashboard, though there is no discount for early repayment.
Applications run through the free HuumansOS platform. A recommendation engine evaluates your financial profile and surfaces the best-fitting option from Huumans' own products and vetted third-party lenders, then a Huumans Capital Specialist is available if you want a human to walk through it.
Yes - profitability is not a requirement; Huumans looks at cash flow, revenue history and time in business. Its own guidance is candid: financing works best as a bridge to a plannable outcome, not a patch for a structural problem.
You can reach the team 24/7 at customersupport@huumans.com. Financing customers also get access to the marketplace of 150+ advisors - fractional CFOs, accountants, bookkeepers, marketers and more. There is no phone line.
