Working Capital Loans
Move your business forward with flexible working capital.
Select the amount you wish to borrow:
Choose your repayment term
How frequently do you want to make payments?
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.
Up to $35,000
12, 18 or 24 months
Weekly or monthly
Loan TypeBusiness line of credit
No Hidden FeesNo application fee or non-sufficient funds (NSF) fee
Clear CostClear payment terms, interest does not compound, no penalty for early payoff
See What Our Customers Say About Us
A Company You Can Trust
Headway Capital made it easy for us to obtain a credit line so we could continue to grow. The process was very easy and funding was very fast. I would recommend them to everyone. Thank you Headway Capital for a job well done!
They Continue to Deliver
They continue to be engaged with helpful business-related emails and surveys reflecting their interest in being a positive part of my company's growth. Many offer support but Headway stands out, way out, ahead of their competition.
Everything You’ve Said in Your Offers Has Been Accurate, True and Correct
I can think of nothing more significant in your business than for your offers and advertising to prove to be accurate, true and correct once a person accepts the offer and chooses to do business with you.
J Bruce Miller Law Group
Made Things So Easy
I have been looking for a line of credit for some time but everything seemed to be those companies that want to charge a flat amount, so I expected the same from Headway. Rest assured it was totally different and it was a true line of credit. They made everything so easy and are very fast when I need the money. I would recommend them to everyone.
DBP Enterprises, Inc.
Fast and Very Professional Help
A lot of companies offer a similar service; you spend days and days sending over paper work, and then they ask for more. The rates of other companies are so high it is not worth the loan. Headway makes it fast, easy — and most of all very affordable. Thanks a million.