About Us

We believe that the success of the small business community is built on access to fast, flexible credit.

A Business Partner You Can Depend On

At Headway Capital, we appreciate the effort it takes for small businesses to reach their goals, and we understand that banks aren’t always a viable option for credit. Accessing capital should be easy and clear. We believe you can accomplish great things with the right support, and we’re proud to help hardworking business owners like yourself find continued success. That’s why we strive to be a partner you can trust.

Part of a publicly traded company: Enova International

Dedicated, U.S.-based customer service team

Bank-level encryption for your privacy and security

Real-time decisions through cutting-edge analytics technology

How Our True Line of Credit Works

1. Apply in Minutes

Fill out our quick online application in minutes to check eligibility for a line of credit up to $50,000. We’ll ask for information like your time in business, annual gross revenue and purpose for funds. We take a holistic view of your business and evaluate your application differently than a bank would.

2. Review & Accept Your Offer

If eligible, you’ll receive an instant prequalified offer to review and select your desired repayment term and initial draw amount. Once you’ve signed the contract, you will be asked to supply three recent months of business bank statements for additional underwriting purposes.

3. Draw Funds

Once approved, the initial draw amount will be deposited into the business’s bank account, and you can draw funds up to your available credit limit right away. Because your funds are revolving, that money becomes available to draw again as you repay your outstanding principal balance. Each time you draw additional funds, you will select a new repayment term, and your entire outstanding balance will be re-amortized so you’re only paying interest on funds drawn.

The Headway Capital Difference

Business lines of credit are one of the most sought-after financing options for business owners. Their speed and flexibility are unparalleled, and our True Line of Credit is designed to make the most of those advantages, allowing you access to cash when you need it most.

Fast Funding

Once approved, you’ll get funds sent to your bank account by the next business day.

Flexible Payment

Repay over 12 – 24 months and choose from weekly or monthly repayment options.

Revolving Credit

Draw funds wherever and whenever you need. Pay interest only on funds drawn.

Clear Cost

Transparent payment terms, no compounded interest and no early repayment penalty.

What Our Customers Are Saying

A Company You Can Trust

We are a small business and 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!

— Larry Lufsey
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If you have questions, we are here to help. Check out the following links to learn more: