Headway Capital review: Startups with some revenue
Headway Capital is a straightforward revolving line for small, established businesses that do not clear the revenue bars at Bluevine or OnDeck. It is transparent about its structure and offers monthly payments, which many online lines do not. It is not cheap.
Headway Capital is best for startups with some revenue. It offers $5,000 to $100,000 with next business day funding, and requires a 625+ credit score, 12 months in business and $50,000 in annual revenue. Pricing: 40% to 80% apr.
Headway Capital business line of credit details
| Amount | $5,000 to $100,000 |
|---|---|
| Cost | 40% to 80% APR |
| Term | 12 to 24 months |
| Repayment | Weekly or monthly |
| Funding speed | Next business day |
| Min credit score | 625 |
| Min time in business | 12 months |
| Min revenue | $50,000 per year |
Pros
- $50,000 annual revenue is enough
- Monthly payment option
- True revolving line with no reapplication
- Clear fee structure
Cons
- 2% draw fee on every draw
- High effective APR
- Maximum of $100,000
- 12 months in business required
Figures verified 2026-11-01. Providers change terms; confirm before applying.
Where Headway Capital stands out
Lower revenue bar than most lines
At $50,000 a year, a one-person service business can qualify.
Where Headway Capital falls short
Draw fees add up
Two percent on every draw makes frequent small draws expensive. Draw less often, in larger amounts.
Who qualifies
Requirements
- 625+ personal FICO
- 12+ months in business
- $50,000+ annual revenue
Consider Headway Capital if you
- You run a small, steady business and want a cushion
- You prefer monthly payments
- You were declined elsewhere on revenue
Alternatives to Headway Capital
Bluevine
Business line of credit · best for fast funding
Max amount $250K · Min credit 625
Fundbox
Business line of credit · best for newer and low-revenue businesses
Max amount $150K · Min credit 600
Headway Capital appears in: Best Small Business Loans of November 2026, Best Business Lines of Credit of November 2026, Best Startup Business Loans of November 2026.
Methodology
Headway Capital was scored on cost of capital, accessibility, speed, repayment flexibility, transparency and borrower outcomes, the same six factors applied to every business loans product on this site. Read how we rate. We have no commercial relationship with Headway Capital.