Small Business Loans

Move your business forward with a Headway Capital line of credit

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*:

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See if you qualify in minutes!
*This business loan calculator assumes a monthly interest rate of 3.3%. Your interest rate may vary based on your application information.

Headway Capital Small Business Loans

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. We do this by offering a true business line of credit with no hidden fees.

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

Small Business Loans by Industry

Headway Capital provides small business loans to a wide variety of businesses. Some of the most common industries we serve include:

We fund many types of businesses beyond those listed above. Apply in minutes to see how much you qualify for.

Business Loans Qualifications

business Time in Business

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

revenue Annual Revenue

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

business location Business Location

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

Common Questions About Headway Capital Business Loans

How will my application be evaluated?

We understand that your 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 a bank would. We incorporate a variety of factors into our decision model to determine your eligibility and credit limit.

What are the rates and terms?

The interest rate and credit limit you are awarded may vary based on the information provided in your application. Interest does not compound and there is no annual or monthly service fee. You can repay your outstanding balance at any time without incurring any additional fee. Check out our Rates & Terms for all the details.

A Lending Partner You Can Count On

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 receivable agreements. 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 to ensure that your business and personal information is safe. We scan our website daily for malware, malicious JavaScript and suspicious redirections to keep your sensitive data safe and private at all times.

Backed by Enova Backed by Enova

Headway Capital is part of Enova International (NYSE: ENVA), which has been providing online loans to individuals and businesses for more than 10 years.

Headway Capital is rated 8.2 out of 10 based on 112 reviews on Trustpilot