Secured Business Loans vs.
Unsecured Business Loans

Do I Qualify?

This won’t affect your credit score!

Secured Business Loans

When business owners look for business financing, one of the first decisions they’ll make is whether a secured loan is a better option for them than an unsecured loan. Understanding the differences will allow you to find the type of funding that is best for your business.

Secured business loans are loans that are “secured” by some asset (e.g. equipment or property) as collateral for the loan, which then becomes a secured debt owed to the creditor who gives the loan. Unsecured business loans are not protected by any collateral. If you default on the loan, the lender can't automatically take your property.

What Does Headway Capital Offer?

Headway Capital offers a small business line of credit up to $35,000. As an unsecured small business loan, we don’t require any collateral for your loan. We take a thorough and holistic approach to reviewing your application and evaluate you for more than just your credit score. You just have to meet our minimum requirements to have your application considered:


In business more than 1 year


$50,000 or greater in annual revenue


Based in a state that we serve
(see Rates & Terms for details)

We strive to make the lending process as simple and worry-free as possible. Once you are approved, you can borrow as much as you need (up to your credit limit), as many times as you need to, without having to reapply. When you need cash, all you have to do is log in to your online account and request a draw. Your money will be delivered to your bank account by the next business day.

If you have any questions, please call our customer service representatives at 866.698.8494 or email us at