Unsecured Business Line of Credit

See if you qualify with our quick and simple application.

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*:

Apply Now
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.

Unsecured Business Financing

Many small businesses experience some degree of business capital problem. Unexpected circumstances arise that can put even the strongest of small businesses in a pinch. A sudden drop in sales, a need to increase hiring, or an unexpected bill or inventory loss can cause business owners to come up short when they need it most.

That’s where unsecured small business loans come in handy. Essentially, an unsecured business loan is a commercial loan without collateral. It gives businesses access to the resources they need to keep running at full strength — without having to jeopardize valuable equipment or inventory as collateral. And because there are different types of unsecured business loans available, it’s important to find a business loan type that fits your business needs.

Learn more: Unsecured vs. Secured Business Loans

Unsecured Business Line of Credit

Headway Capital offers an unsecured business line of credit with no hidden fees. It can be used to fund any legitimate business expense — including inventory, new equipment and payroll — and you only need to make payments if and when you borrow money. It’s similar to a credit card in that regard — you use it as you need it. You can choose to make weekly or monthly payments, and borrow more whenever you need to (up to your credit limit).

At Headway Capital, we are proud to help hardworking business owners like you accomplish their goals. We don't just look at your credit score — we take a holistic view of your business when evaluating your application. Apply now for a Headway Capital line of credit. If approved, you’ll have your money by the next business day.

True Line of Credit™ from Headway Capital

At Headway Capital, our mission is to provide you access to the credit you need to run your business. We give you the flexibility to draw money whenever you need it. Requesting funds with Headway Capital is simpler and quicker than working with a bank.

Credit Line:

Up to

Repayment Term:

12, 18 or 24 months

Payment Frequency:

Weekly or monthly

Loan type

Loan Type

Unsecured 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

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 factoring. 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 8.8 out of 10 based on 127 reviews on Trustpilot