Business Capital

Keep your business operating at full strength with flexible business capital.

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*This business loan calculator assumes a monthly interest rate of 3.3%. Your interest rate may vary based on your application information.

What is Business Capital?

Business capital is the money or wealth needed for businesses to produce goods and services. The accessibility of business capital directly impacts your company's ability to fulfill its obligations and remain financially viable. If your assets do not equal or exceed your current liabilities, you run the risk of being unable to pay creditors in a timely fashion. So when business owners are short on the amount of business capital they need, they often turn to small business loans to stay running at full strength.

Typically, business capital comes in either the form of equity capital or debt capital. In the case of debt capital, the cost is the interest rate that the firm must pay in order to get business funding. There're different types of funding, such as SBA loans and lines of credit. Many business owners choose private business loans over bank loans due to their higher approval rate. It’s a way to secure funding without having to wait weeks for a decision — with Headway Capital, your company can receive funding as soon as one day after approval.

Get Business Capital with A True Line of Credit

If you need small business capital, a business line of credit from Headway Capital could be the right solution. You can apply online and, if approved, use your line of credit whenever you need to access funds. Your line of credit from Headway Capital can be used to fund business expenses — including inventory, new equipment and payroll — and you only need to make payments if and when you borrow money. A business line of credit gives you the following benefits:

  • Preparation: Having too little small business capital can lead to financial stress, increased borrowing and late payments to creditors — all of which can result in a lower credit rating. A lower credit rating will typically result in a higher interest rate for any money borrowed. A line of credit can help you stay on top of the highs and lows of your business, so that you’re prepared when shortages occur.

  • Maintain ownership: If you receive funding from an investor, you’d likely have to give up a percentage of your company in return. You’d also be giving up a portion of your decision-making ability. With a line of credit, you’ll have to make payments to the lender, but that’s the end of your obligation. You remain in total control of your business.

  • Spend it for what you need: Lenders have few (if any) restrictions on how you use your funds, as long as it’s for business purposes. Headway Capital’s intent is for customers to use the money to maintain operations, or for endeavors/initiatives that will increase their revenue.
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