Business Line of Credit

Apply for a True Line of Credit™ Within Minutes

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*:

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See if you qualify in minutes!
*This business loan calculator assumes a monthly interest rate of 3.3%. Your interest rate may vary based on your application information.

True Line of Credit™ from Headway Capital

Transparent Transparent

You’ll know what you’re getting with a Headway Capital line of credit. Our transparent terms mean no hidden fees and no surprises.

Revolving Revolving

A revolving line of credit lets you borrow up to your limit and borrow more as you repay — without having to reapply.

Unique Unique

Our unique underwriting model looks at the big picture of your business and allows us to consider more than just your credit score.

Everyday Everyday

Your Headway Capital line of credit is available to you 24/7/365, with funds deposited in your account by the next business day.

A business line of credit is similar to a business credit card — you use it as you need it. However, with a Headway Capital True 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

See our Rates & Terms for details
Clear cost

Clear Cost

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

How It Works

  • 1

    Apply online for a credit limit of up to $50,000. When we evaluate your application, we consider more than just your credit score.

  • 2

    You borrow through your online account. You can draw money as often as you like, up to your available credit limit, with funding by the next business day.

  • 3

    You choose from several flexible repayment options. As you repay your outstanding principal, that money becomes available for you to draw again.

Business Line of Credit Qualifications

business Time in Business

You must have been in business for at least one year.

revenue Annual Revenue

Your business must have a revenue of $50,000 or greater.

business location Business Location

Check our Rates & Terms to see if we serve your state.

A Lending Partner You Can Count On

Headway Capital's mission is to provide access to a “true” line of credit so you can access the money you need to run your business. Due to the open-ended access customers receive with our line of credit, Headway Capital is more flexible than most merchant cash advances and invoice receivable agreements. Ultimately, we’re looking to form a long-term partnership with you so we can see your business succeed.

Customer First Customer First

Our knowledgeable customer service team is at the ready to provide answers if you need a hand. If you have any questions, please check out our FAQ or Contact Us pages.

Data Security Data Security

Headway Capital uses the latest security technology, including Secure Socket Layer (SSL) encryption, McAfee SECURE™ and Verisign™, to ensure that your business and personal information is safe.

Backed by Enova Backed by Enova

Headway Capital is part of Enova International (NYSE: ENVA), a leading online lender. Enova has serviced over $15 billion in loans to more than 3 million consumers since 2004.

Headway Capital is rated 8.2 out of 10 based on 112 reviews on Trustpilot