Headway Capital Reviews

I think Headway Capital is not bad. The only thing I don't like is the interest they charge and the time it takes to get funds. I have a second line of credit with Ondeck and I can get funds in a matter of minutes including weekends at a much lower cost.

We are very happy with the services that Headway has provided us to receive financing. The platform is very easy to use and provides us with easy-to-use tools to project our monthly payment. The tools in the portal have been very helpful to project our costs on bids.

As a business owner the biggest problem is cash flow, Headway Capital was easy to apply and funds were transferred on time. Easy process, making it less stressful to run your business when you are on cash.

Headway Capital has been truly amazing to work with. It’s helped me out a lot to be able to buy some of the equipment I needed and have that open line of credit definitely helps grow business. Thanks for all your help.

My loan payment emails never accurately show a balance owed. The balance is constantly higher than my TRUE balance. I have inaccurate payment schedules that surpass my original loan agreement. Their data is used to scare you into paying them more than you actually owe them. My receipt email and loan details once logging in, show an inaccurate balance. Trash company. Let's start class action lawsuit against them, seriously.

I feel completely cheated by this loan. My business is paying over 70% APR, and what seemed like a solution quickly became a major financial burden. The long-term cost has put tremendous pressure on my business. Had I fully understood the true cost of this financing, I would never have agreed to it. Based on my experience, I would strongly encourage business owners to avoid working with Headway Capital and to carefully compare all financing options before signing any agreement.

The interest rates are way too high. Poor customer service.

Excellent Customer Service and responsive to my needs is Immediate! I have an account with Headway for more than eight years and enjoy a smooth transaction experience with them every time! Please allow them to offer and courtesy you may Need and customized for you and your company needs.

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.

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.

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!

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)

Nearly 90% of these reviews have to be FAKE. This is the worst company to deal with. If you borrow a dollar from them plan on paying back 4 because their rates are ridiculously expensive. Their customer service is horrible. Unresponsive, unhelpful, and uncaring about the hardship this loan will create. You will be worse off than before, there is no upside. It looks like 5 % but it's really 65% interest.

I only got this loan because they said it would help me get a SBA loan. Now I am in a never ending loop. Each payment I make hardly decreases the amount owed and they put a UCC out on my company so I cannot get funding from another lender to pay it off. Let's just say I don't recommend them at all and as soon as I can pay this off I will and I WILL NEVER BORROW ANOTHER DIME FROM HEADWAY.

My experience with Headway & LendingTree was amazing. I was not expecting it to be so simple and fast! There was very little paperwork, I had an approval the same day and funding the day after I signed the agreement.

Finally, entrepreneurs have an ally. Headway Capital is That ally. A credit line with fair monthly draws reasonable rates is a far better ally than any weekly short term loan. Headway capital gives you the tool to finally, make some headway, even uphill or upstream, as you climb your own path toward success.

Initiating contact with support was completed in real-time with a live rep who was courteous and knowledgeable. The online system to update my aged profile was efficient and easy to navigate. Follow-up communication with clear steps also set reasonable and defined expectations. Completing the transaction was equally simple and efficient.

We've been working with Headway Capital for a few months. They are a refreshing change from the norm. They've been professional, courteous, respectful of our time, with zero heavy-handed sales efforts; and ultimately very simple, efficient, and easy to work with. Definitely the kind of company we desire to build a sustained relationship with.

My experience with Headway Capital was quick and easy to put a standby line of credit in place. The consultant was very helpful in guiding me along the decision making path as well. The beauty of this product is you only use it when you need it which makes a stand by line best for our company given the ebb and flow of our cash flow.

They helped us get what we needed to grow our business in a very quick manner and most importantly at an affordable end price. Mick ** did an amazing job. He worked with our hectic schedule and was able to call us at specific times when we were available. We will continue to use their services in the future. Thank you very much.

Dustin was very patient and helpful in answering all my questions. The whole process was quick and simple. In working with my bank it was much more painful with all their forms that made me not want to go through the process with them. I have recommended your company to other people I know. Paul

I had not accessed my credit line for a few years. Then recently I needed some funding for a few projects and had Headway transfer money to my corporate account at my bank. It was quick and effortless. I needed a few draws over a short period of time and I was able to accomplish this in a few minutes.

Headway Capital was easy and quick to work with. We just needed a little capital to help us through a little slow period and we had completed the easy application and received funds within several days. I would recommend them for any small business in need of making ends meet when their cashflow is a little slow.

Process was simple, easy and fast. Got the funding needed for my company. In addition, the amount and rate were right around what we were looking for. Would recommend to anyone looking to establish a business line of credit. This will certainly help my company grow.

They do as they say. You get your money fast. However, you pay dearly for using it. You would think after paying off your line of credit one time that they would start lowering the interest amounts for good payments.

Time of response for pre-aproved was very low, excellent service for the representative and the Team of Headway Capital and quick transfer of found. The Line of credit is the best mechanism for support the business for IT companies.

I had a great experience with Headway Capital. From the beginning, someone was helping me all the way, from answering all my questions to assisting with uploading my documents. All my questions were answered by the person assisting me. I felt that I could trust the funding manager. He provided me with a path toward sustainability in my business. I am pleased I got funded by Headway Capital. The funding process was quick and easy.

Their platform made for such a fast and easy lending experience. I do not know why I did not contact them six months ago. They offered great terms with fast underwriting, and most importantly they funded quickly. I would definitely give them five stars as it was an A plus experience for me and my business.

I was very shocked to see how quickly the application was processed, approved, and once approved how quickly the funds were deposited to my account. The account manager is user friendly, and scheduling draws from your LOC is easy with same day - next day funding. I would recommend Headway Capital for all of your small business funding needs!

A fast and good method of lending money.. They lent my company money and will get it by August 1. They talked through my account rep and did a good job explaining the deal. Happy to work with you and to give you a good review. Good job.

It has been a great experience that is made so easy, it is seamless. The website is easy to navigate as well. Because of this, I have never needed to contact customer service. They have done what they said they would and that is important to me.