Working Capital

Move your business forward with a revolving 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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*This business loan calculator assumes a monthly interest rate of 3.3%. Your interest rate may vary based on your application information.

Working Capital Loans

Working capital is a common measure of a company's efficiency of day-to-day operation. It is calculated as: Working Capital = Current Assets - Current Liabilities. Positive working capital indicates that a company is able to fulfill its debt obligations and remain financially viable. It is essential for a business to continually meet its operational needs.

Businesses with seasonal or cyclical revenue often require more working capital to stay positive during their off-season. For example, a company may be significantly busier during the holidays, resulting in large profits at the end of the year. However, the company must have enough business capital to buy inventory and cover payroll during slower periods as well.

Working Capital for Small Businesses

A working capital loan or working capital financing is a form of unsecured business loan that can be used for a variety of business purposes. Many businesses finance their everyday operations with working capital loans. It’s an easy and simple way to cover your day-to-day expenses of running a business, and your company can receive fast funding in as little as one day after approval.

Get Working Capital with Headway Capital

A business line of credit works similarly to working capital loans — you use it as you need it to get access to the business capital you need. However, with a Headway Capital 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

No application fee or non-sufficient funds (NSF) fee
Clear cost

Clear Cost

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