Business Line of Credit

Apply online for a True Line of Credit™ within minutes.

What's your desired credit limit?

What repayment term works for you?
How often do you want to make payments?

Weekly Payment Amount*:

$424.00 Apply Now

Applying will not impact your credit score.1

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

True Line of Credit™ from Headway Capital

Like a small business loan, a business line of credit provides a business with access to credit that can be used to address any business expense. A business line of credit is also similar to a business credit card — you use it as you need it. However, with a Headway Capital True Line of Credit™, you can choose to make weekly or monthly payments and borrow more as your principal is paid down.


You'll know what you're getting with a Headway Capital line of credit. Our transparent terms mean no hidden fees and no surprises.


A revolving line of credit lets you borrow up to your limit and borrow more as you repay — without having to reapply.


Our unique underwriting model looks at the big picture of your business and allows us to consider more than just your credit score.


Your Headway Capital line of credit is available to you 24/7/365, with funds deposited in your account by the next business day.

Credit Line

Up to

Repayment Term

12, 18 or 24 months

Payment Frequency

Weekly or monthly

Loan Type

Business line of credit

No Hidden Fees

See our Rates & Terms for details

Clear Cost

Clear payment terms, interest does not compound, no penalty for early payoff

How Our True Line of Credit Works

1. Apply in Minutes

Fill out our quick online application in minutes to check eligibility for a line of credit up to $100,000. We'll ask for information like your time in business, annual gross revenue and purpose for funds. We take a holistic view of your business and evaluate your application differently than a bank would.

2. Review & Accept Your Offer

If eligible, you'll receive an instant prequalified offer to review and select your desired repayment term and initial draw amount. Once you've signed the contract, you will be asked to supply three recent months of business bank statements for additional underwriting purposes.

3. Draw Funds

Once approved, the initial draw amount will be deposited into the business's bank account, and you can draw funds up to your available credit limit right away. Because your funds are revolving, that money becomes available to draw again as you repay your outstanding principal balance. Each time you draw additional funds, you will select a new repayment term, and your entire outstanding balance will be re-amortized so you're only paying interest on funds drawn.

Business Line of Credit Qualifications

Time in Business

You must have been in business for at least one year.

Annual Revenue

Your business must have a revenue of $50,000 or greater.

Business Location

Check our Rates & Terms to see if we serve your state.

Customer Reviews

"From my first exposure, Headway personnel have been concerned and engaged in my corporate financial needs and how they could help satisfy them. Many offer support, but Headway stands out, way out, ahead of their competition."

— David M.
Headway Capital is rated 8.9 out of 10 based on 158 reviews on Trustpilot
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1We will not perform a hard credit pull until after you have submitted the application and signed the contract.