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!
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- 4,919,150 reviews on ConsumerAffairs are verified.
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Reviewed July 16, 2026
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.
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Reviewed July 1, 2026
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.
Reviewed June 24, 2026
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.
Reviewed June 4, 2026
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.
Reviewed June 6, 2026
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.
Reviewed June 1, 2026
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.
Reviewed April 27, 2026
The interest rates are way too high. Poor customer service.
Hi Melissa, 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 April 8, 2026
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.
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.
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.
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
- 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