Working Capital Loans

Our flexible line of credit gives you the money you need to move your business forward.

How Much Will It Cost to Make a Draw?

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*This business loan calculator assumes a monthly interest rate of 5%. Your interest rate may vary based on your application information.

Apply for a credit limit up to $35,000

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Working Capital

A working capital loan is a form of unsecured loans that can be used for a variety of business purposes. Many businesses finance the 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 loans to get fast cash to move forward quickly.

If you need short-term working capital, a line of credit from Headway Capital could be the right solution for your need. You can apply for a Headway Capital line of credit in advance of a shortage, and use it only when you need to access funds. Your line of credit from Headway Capital can be used to fund business expenses — including inventory, new equipment and payroll — and you only need to make payments if and when you borrow money.


Why is having positive working capital important?
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, as well as 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.
Is working capital financing better for some companies than others?
Having positive working capital is always important to keep your business viable — no matter what kind of business 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 yearly, 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 working capital to buy inventory and cover payroll during slower periods as well.
What are some of the advantages of having a working capital line of credit?
Preparation: Having too little working capital can lead to financial pressure, increased borrowing and late payments to creditors — all of which may result in a lower credit rating. A lower credit rating means banks charge a higher interest rate for any money borrowed. To stay on top of the ebbs and flows of business, a working capital line of credit can help keep your business running smoothly when shortages occur.

Maintain ownership: If you were to receive funding from an equity investor, you would likely have to give up a percentage of your company in return. In turn, you’d be giving up a portion of your decision-making ability. With a line of credit, you’ll have to make payments to the working capital lender, but that is the end of your obligation. You remain in complete control of business decisions.

No collateral: In general, there are two types of loans: secured and unsecured. Lines of credit can be either, and many — including those from Headway Capital — are unsecured. If you qualify for an unsecured loan, you won’t need to put your business, inventory, or anything else at risk to secure the loan.

Spend it for what you need: Banks and lenders have few if any restrictions on how you use borrowed funds, as long as it’s for business purposes. Headway Capital’s intent is for customers to use the money to maintain operations, or for endeavors/initiatives that will increase their revenue opportunities. That works out well, because that is exactly what smart business owners want to do with it too!