Headway Capital Reviews
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About Headway Capital
Headway Capital provides a line of credit to small business owners. You can order more inventory, purchase new equipment, cover expenses until your receivables are paid, or just get through a slump when business is slow. A line of credit is flexible, so it gives you the ability to be more flexible about your business decisions. Once approved, you can draw money whenever you need to, up to your available credit limit, and make monthly or weekly repayments that fit your budget. The team of experts at Headway Capital are ready to assist you in your financial needs. Contact us today!
Headway Capital Reviews
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- 4,861,149 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
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Reviewed March 29, 2026
Headway Capital is a great source for funding for small businesses. Their staff is very proficient. Their systems and processes are extremely efficient and user friendly. DaGitGo Transportation LLC is very pleased with Headway Capital's services.
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Reviewed March 5, 2026
I’ve been working with Headway Capital for over a couple of years now and I have no complaints. Whenever I have questions, their customer service team always provides clear answers. Their rates are reasonable and they work with you whenever you happen to make modifications to your payment schedule.
Reviewed Feb. 25, 2026
I've been working with Headway for about six months and I have found their customer service to be fantastic. They follow-up on a regular basis and stay in contact with us to make sure their products and services continue to meet our needs.
Reviewed Sept. 17, 2025
I really enjoy having them as they continue to help me grow my business! They have helped me in more ways than I can describe! Very happy with the response I receive and how they work with your needs! They have helped give me the confidence and assurance moving forward with my company!
Reviewed June 13, 2025
Great experience dealing with Headway, I would like to thank Headway. I was able to finance an electrical contract using the finances from Headway, 2024 was a very bad year for McCloud Electric, today business is thriving, work picked up in 04/2025, the money has not been at the flow point but I know it is on the way.
We're delighted to hear about your positive experience with Headway and we appreciate your kind words of gratitude. It's wonderful that our financing services have been helpful to your business during a challenging year. Knowing that McCloud Electric is thriving again is truly rewarding. We're here to support you as your business continues to grow. Thank you for choosing Headway as your financial partner, and we're confident that better opportunities are on the horizon.
Reviewed March 11, 2026
Needed a lower interest rate, the website is easy to navigate and to draw from the LOC but you were misleading in your interest rate. How does 1% per month turn into 41% APR. You trust but you always need to read the fine print.
Hi John, Thank you for providing this valuable feedback. There are multiple variables that go into why we price the way we do. If you have additional questions, please contact our dedicated Headway Capital Customer Service team at (866) 698-8494.
Reviewed Feb. 8, 2026
Extremely predatory especially for small businesses. Do not use them unless. You want to pay back quadruple what you borrowed and be harassed along the way. Their interest rates are ridiculous, no matter your credit score or credit worthiness!
Reviewed Oct. 1, 2025
You have been able to provide me with capital but 79 APR is way too high for business that are always looking to grow and use lots of capital, origination should be only a time when initiating with Headway not every draw a business makes or the commission, a business should be able to post payment same day that could pay it off not block it on the portal for 3 or 5 additionally days, is UNFAIR FOR a business that could pay off the balance immediately.
Hi Oscar, Thank you for providing this valuable feedback. There are multiple variables that go into why we price the way we do. If you have additional questions, please contact our dedicated Headway Capital Customer Service team at (866) 698-8494.
Reviewed Sept. 26, 2025
The interest rate on your products is entirely too high. It's on the border of predatory lending to small businesses. The transfer of liquid is fast but it makes it difficult to pay this down when the fees are so high....
Hi Shannon, Thank you for providing this valuable feedback. There are multiple variables that go into why we price the way we do. If you have additional questions, please contact our dedicated Headway Capital Customer Service team at (866) 698-8494.
Reviewed Sept. 19, 2025
Company is kind of a predatory loan company. Over 44% interest no wonder nobody ever gets out of these loans. Makes struggling businesses go even further under to struggle. Just be warned if you’re thinking of this company and taking out a loan from them!!!
Hi Dustin, Headway Capital works to match our customers with our best possible offer based on their financial eligibility. Our customers are presented with their complete offer details before signing the contract. If you have a question about your specific offer, feel free to contact us at 866-698-8494
Headway Capital author review by Ashley Eneriz
Headway Capital is a part of the publicly-traded lender Enova International. Headway Capital offers lines of credit up to $35,000 to many types of small businesses. It is headquartered in Chicago.
Payment options: Borrowers can determine which repayment options work best for them. The loans have terms of 12, 18 or 24 months and payments can be made weekly or monthly. These options can vary by state, but the website clearly outlines your options before applying.
Clear minimum qualifications: Headway Capital’s website clearly outlines the minimum qualifications for businesses. To qualify, you must have been in business at least one year and have a revenue of at least $50,000 per year.
Timely: Once your application is approved, funds will be deposited into your business’ account quickly. Funds are often available the next business day.
Early repayment: You can repay your Headway Capital business loan early without incurring additional fees.
Pre-approval: You can see how much money you would qualify for and get an initial approval online. This pre-approval check will not impact your credit score.
Ashley is an expert finance writer who worked for 12 years with top names in the industry, including Discover, The Hartford, ScotiaBank, Chime and Synchrony. She joined ConsumerAffairs in 2022, and specializes in coverage of banking, credit repair and debt management. Her writing has also been featured in Forbes, Time, Yahoo, MSN and Reader’s Digest. In her personal life, she enjoys homeschooling her three daughters and writing children's books.
Headway Capital Company Information
- Social media:
- Company Name:
- Headway Capital
- Address:
- 175 West Jackson, Suite 1000
- City:
- Chicago
- State/Province:
- IL
- Postal Code:
- 60604
- Country:
- United States
- Website:
- www.headwaycapital.com