Private Business Loans

Get a flexible line of credit from a private business lender

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 3.3%. Your interest rate may vary based on your application information.

A Private Lender You Can Count On

At Headway Capital, we understand how important it is for small business owners to have access to working capital whenever and wherever. It’s why we designed our true line of credit to be flexible and easy-to-use.

As a private business lender, our application process is quick and simple to fill out, and we take a holistic view of your business when determining your eligibility — it's not just based on your credit score. We provide flexible payment terms — either weekly or monthly — so you can choose what best works for your business. Plus, you don’t have to worry about waiting for funds. We deliver them to you as early as the next business day. You can apply online and experience the Headway Capital difference today.

Private Business Loan

A private business loan is another name for what is known as an alternative business loan. It applies to funding from any entity not considered to be a traditional banking institution — online business lenders, peer-to-peer funding, crowdsourcing, microfinancing and invoice trading are just a few examples of the many alternative funding options open to businesses. Private business loans are an excellent option for borrowers who may be unable to secure traditional bank financing.

Private business lenders can offer more flexibility and different qualification standards that are more favorable to small businesses that are just starting out. While the types of private business loans vary, common features tend to include easy applications, flexible payment terms and rapid funding.

Private Loans from Headway Capital

At Headway Capital, we believe you can accomplish great things with the right support and are proud to help hardworking business owners like you accomplish your goals. With a Headway Capital revolving line of credit, you can choose to make weekly or monthly payments and borrow more as your principal is paid down.

Credit Line

Up to

Repayment Term

12, 18 or 24 months

Payment Frequency

Weekly or monthly

Loan type

Loan Type

Business line of credit
No hidden fees

No Hidden Fees

See our Rates & Terms for details
Clear cost

Clear Cost

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

About Headway Capital

Headway Capital's mission is to provide access to a “true” line of credit so you can access the money you need to run your business. Due to the open-ended access customers receive with our line of credit, Headway Capital is more flexible than most merchant cash advances and invoice financing. Ultimately, we’re looking to form a long-term partnership with you so we can see your business succeed.

Customer First Customer First

Our knowledgeable customer service team is at the ready to provide answers if you need a hand. If you have any questions, please check out our FAQ or Contact Us pages.

Data Security Data Security

Headway Capital uses the latest security technology, including Secure Socket Layer (SSL) encryption, McAfee SECURE™ and Verisign™, to ensure that your business and personal information is safe.

Backed by Enova Backed by Enova

Headway Capital is part of Enova International (NYSE: ENVA), a leading online lender. Enova has serviced over $15 billion in loans to more than 3 million consumers since 2004.

Headway Capital is rated 8.5 out of 10 based on 118 reviews on Trustpilot