Working Capital Loans

Move your business forward with flexible working capital.

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*:

Do I Qualify?
This won't affect your credit score!
*This business loan calculator assumes a monthly interest rate of 5%. Your interest rate may vary based on your application information.

What Is Working Capital?

A working capital loan 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 secure funding without having to wait weeks for a decision, and your company can receive capital in as little as one day after approval. Business owners choose working capital financing to get fast business funding to move forward quickly.

Working Capital Loans for Small Businesses

Positive working capital is essential for your business to continually meet its operational needs. The availability of working capital influences your company's ability to fulfill its debt obligations and remain financially viable. If your current assets do not equal or exceed your current liabilities, you run the risk of being unable to pay creditors in a timely fashion.

Having positive working capital is always important to keep your business viable — no matter what industry you’re in. But certain businesses should be especially careful to maintain it. Businesses with seasonal or cyclical revenue often require more working capital to stay positive during their off-season. Although the business may make more than enough to pay all its obligations each year, it must ensure there is enough working capital at any one time to meet its short-term obligations. 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.

Apply For a True Line of Credit

A Headway Capital 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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