Small Business Capital Loans

Keep your business operating at full strength with our flexible line of credit.

How Much Will It Cost to Make a Draw?

Select the amount you wish to borrow:


Choose your repayment term

12 months
18 months
24 months

How frequently do you want to make payments?


Weekly payment amount*:

Do I Qualify?
This won't affect your credit score!
*This business loan calculator assumes a monthly interest rate of 5%. Your interest rate may vary based on your application information.

Apply for a credit limit up to $35,000

Get next-business-day funding after approval

Borrow any time through your online account

Business Capital

All businesses need capital to operate. So when business owners are short on the amount of business capital they need, they often turn to working capital financing to stay running at full strength.

Many capital loans are unsecured loans that can be used for a variety of business purposes. Many business owners choose business capital 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 fast business funding as soon as one day after approval.

If you need small business capital, a 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.

If your business is more than one year old and could use extra business capital, apply for a line of credit today!

How Our Line of Credit Works

  • Apply online for a credit limit of up to $35,000. When we evaluate your application, we consider more than just your credit score.

  • You borrow through your online account. You can draw money as often as you like, up to your available credit limit, with funding by the next business day.

  • You choose from several flexible repayment options. As you repay your outstanding principal, that money becomes available for you to draw again.


Why is having positive business capital important?
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.
What are some advantages of having a business capital line of credit?
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.

No collateral: In general, there are two types of loans: secured and unsecured. Lines of credit can be either, and many — including those from Headway Capital — are unsecured. If you qualify for an unsecured loan, you won’t need to put your business, inventory, or anything else at risk to secure the loan.

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.