Looking for a Business Cash Advance?

Our flexible line of credit could be a better alternative to merchant cash advances.

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

Merchant Cash Advances

Merchant cash advances are forms of small business financing in which a lump-sum payment is given to a business in exchange for an agreed-upon percentage of future sales. While these merchant cash advances can be fast and easy to qualify for, they tend to come with high payments and contingencies that the purchaser will require you to follow. Different types of small business financing are better for different types of merchants. Merchant cash advances are generally best for business owners with lower credit, because credit scores are not as important as sales projections when determining eligibility.

Merchant Cash Advances vs. Line of Credit

If you’re interested in acquiring small business financing that allows you the freedom to operate your business the way you see fit, then you may want to consider a flexible line of credit from Headway Capital. A business line of credit is a good option for small businesses that experience ups and downs. Many seasonal operations that thrive in the summer months rely on lines of credit to offset the lack of steady revenue during the “off” months. A line of credit can give them access to funds to continue paying their bills on time. It also gives them credit to purchase inventory or hire additional staff, if needed, so they can be ready when peak season begins again. When that time comes, they’ll be in a position to comfortably pay off their balance.

With Headway Capital, you can access your line of credit whenever you want through your online account, with the requested money delivered to your bank account by the next business day. This way you can borrow the amount you need (up to your credit limit) when you need it, and build your business at your own pace.

If you want to know more about how to get a small business loan that is appropriate for your business needs, check out the overview below.

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.

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