Small Business Lending from a Direct Lender

Apply for up to $50,000 from Headway Capital

Select the amount you wish to borrow:


Choose your repayment term

12 months
18 months
24 months

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Weekly payment amount*:

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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.

Commercial Lending

If you’ve been having difficulty obtaining a loan for your business, keep in mind that there are many different types of business lenders and ways for businesses to obtain commercial loans. The ones you are probably most familiar with are term loans and lines of credit issued by a bank. SBA loans are also commonly known, as are other forms of government-funded loans. And then there are online lenders. Certain online lenders specialize as small-business lenders, with offerings and services designed for the needs of hardworking business owners who may have difficulty finding other sources of funding.

Is Headway Capital a Direct Business Lender?

Yes, Headway Capital is a direct small-business lender that gives you more than just a one-time influx of cash. We offer a revolving line of credit that allows you to borrow as much as you need (up to your approved limit), whenever you need it, without having to reapply.

Our line of credit can be used for up to $50,000, with no extra costs or hidden fees. We make commercial lending easy — you can log in to your line of credit account at any time and request a draw. Money will usually be delivered to your bank account by the next business day.

Have any questions? Our customer service team is available at 866.698.8494. You can also find answers to commonly asked questions on our FAQ page.

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Why Headway Capital?



Choose from several flexible repayment options, and if approved, you can draw money through your online account whenever you need it.



It takes only minutes to see if you're qualified, and requesting funds with Headway Capital is simple and quick through your online account.

The Big Picture

The Big Picture

We understand that your personal credit score isn’t necessarily representative of the health of your small business. That’s why we take a holistic view of your business, evaluating your application differently than other lenders would.

Headway Capital is rated 8.2 out of 10 based on 80 reviews on Trustpilot