Working Capital

Move your business forward with a revolving line of credit.

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What repayment term works for you?
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Weekly Payment Amount*:

$424.00 Apply Now

We’re currently accepting new customer applications. Applying will not impact your credit score.

Applying will not impact your credit score.1

*This business loan calculator assumes a monthly interest rate of 3.3% and a 2% draw fee. Your interest rate and credit limit may vary based on your application. No draw fee in CO, GA, IN, NJ and OK.

Working Capital Loans

Working capital is a common measure of a company's efficiency when it comes to its day-to-day operations. You can calculate it as: Current Assets - Current Liabilities. Positive working capital indicates that a company is able to fulfill its debt obligations and remain financially viable. And of course, 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 capital to buy inventory and cover payroll during slower periods as well.

Why Choose Working Capital

A working capital loan, or working capital financing, is a form of small 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 way to cover the day-to-day expenses of running a business, and your company can receive fast funding in as little as one day after approval. Take a look at some of the most common ways working capital is used.

Preparation for an Emergency

Preparation for an Emergency

Many business owners know all too well how scary financial emergencies can be. That’s why it’s important to have plenty of working capital on hand to address any issues as they arise.

Handling Off-Seasons

Handling Off-Seasons

Working capital funding (and especially lines of credit) can be great for businesses with seasonal revenue. But even businesses that don’t rely on seasonal business have peaks and valleys, so having working capital on hand is important.

Growth and Expansion

Growth and Expansion

Working capital gives companies looking to grow and expand the flexibility and strength to act fast when opportunity arises. Without positive working capital, it’s very difficult to grow and expand.

Working Capital by Industry

Working capital can be used by a variety of businesses. Whether your business needs funding for equipment, inventory, payroll, marketing or other business expenses, working capital can likely help your business grow. Check out the page for your industry to see some of the ways Headway Capital can help.

Get Working Capital With Headway Capital

A business line of credit works similarly to a working capital loan — 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

Loan Type

Business line of credit

Repayment Term

12, 18 or 24 months

No Hidden Fees

See our Rates & Terms for details

Payment Frequency

Weekly or monthly

Clear Cost

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

FAQ About Working Capital

A working capital line of credit is a line of credit that can be used by business owners to cover ongoing expenses. Once approved for a business line of credit, you can draw from your available credit and get funds deposited into your checking account. As you repay your line of credit, your available credit is replenished for you to draw from again.