SBA Loans Alternatives

Take charge with our flexible line of credit — the small business loan that moves you forward.

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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.

Apply for a credit limit up to $50,000


Get next-business-day funding after approval


Borrow any time through your online account

SBA Loans

As one of the lowest-cost business funding products out there, Small Business Administration (SBA) loans require a process of application and approval that may disqualify some potential borrowers. Some businesses may have difficulty getting approved for an SBA loan, particularly if they’ve already been declined for bank commercial loans. Additionally, the SBA loan application process can take weeks or months to complete.

That's where lenders like Headway Capital can help. As a SBA loans alternative, we harness technology to make small-business lending more efficient. We offer a true line of credit that's more flexible for small businesses; The application process is simple and easy and if approved, you will get your business capital by the next business day.

To learn more about SBA loans, check out "5 Things You Need to Know About SBA Loans".

SBA Loans vs. Headway Capital Line of Credit

SBA Loans
Basic 7(a) Loan Program
Headway Capital
Line of Credit
Borrowers For eligible borrowers to start acquire or expand a small business For eligible borrowers to use as working capital or to expand a small business
Application Process Applying for an SBA loan can take weeks or months The online application process typically takes a few minutes
Maximum Amount $10 million Credit line of $50,000
Approval Process Most businesses that obtain approval must meet standards similar to those a bank would have Headway Capital assesses many different factors when determining your eligibility

How Our Line of Credit Works

  • 1

    Apply online for a credit limit of up to $50,000. When we evaluate your application, we consider more than just your credit score.

  • 2

    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.

  • 3

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

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