Headway Capital Reviews

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.

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....

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!!!

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!

This company takes advantage of elderly seniors who don't know what they are doing or what they are signing! My 80 year old mother, who is not able to make sound financial decisions, was given a loan at 47% interest and had no idea she used her home as collateral! No one with any sort of ethics would do this! Now we are trying to save her home so she's not homeless... terrible!

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.

Put my name and info on the internet like a smarty. This company called me and I listened to their offer. Approved me for 100K line of credit. Was about to go through with it, but the terms were not as they said. Also they are horrible at communicating. They not very professional which made it feel like a scam. Calling me multiple times a day. I decided to back out of the loan and this guy Arron starts arguing and talking down to me like I’m a child. I think there is better money out there. Don’t waste too much time on this one

Well, I'd have to agree that the over the top reviews must be fake. Who would give a 5-star review to anyone who charges 56% APR?! Standard response below, haha, many factors, bla, bla, bla. If you are DESPERATE for cash these guys (dark money?!) can throw you a lifeline. But you'd better have income coming in FAST to pay them back. For sure not for long term capital expenses. Only reason I'm not giving them a 1 star is they do pay out in 24 hrs. That's worth the pain of the interest if you know clients are paying you soon. I needed a short term loan because I had to pay crew in N30 and my clients pay N60. ;(

I work with a business that has had this loan for over two years, and still owes the same amount since the APR was 84%! They were taken advantage of because English is not their first language. It is a very, very shady practice.

Headway Capital was a big mistake. I was offered this funding through a broker and honestly did not really know how any of this worked. The broker told me at any time I could change the term and that the interest rate would be lower once I used the line and made a payment. When I asked Headway that was not true. I was stuck with a very high payment. At that point I contacted them and requested a hardship assistance. They allowed small payments but interest kept accruing and ended up owing way more than was used. (like 5x)