Horrible, horrible service and the interest rate is just outright theft - they should be ashamed of themselves for "stealing" from small business owners. NEVER AGAIN.
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We did not anticipate the sudden sharp rise in the ocean freight rates in the past six months that went up by over 400%, and found ourselves cash strapped due to heavy outlay for our clients. Raul he... See more
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Money was available quickly at the time of need, is the best thing for this Line of Credit account. The APR of 35% is most discouraging here which is available at 10% to 15 % APR elsewhere. However H... See more
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Yossi did a great job communicating throughout the whole process. Texts are much easier than calls for me, and he kept me in the loop via text every step of the way communicating promptly. I’m thrille... See more
Company details
Information provided by various external sources
At Headway Capital, our mission is to provide small business owners access to financing through an easy application process and fast funding. Our line of credit provides the flexibility to draw money (up to the available credit limit) whenever needed and we do not penalize for paying a line of credit off early. Apply with Headway Capital and receive funds in as little as one business day, if approved.
Written by the company
Contact info
175 W Jackson Blvd, Suite 1000, 60604, Chicago, United States
- 866.698.8494
- [email protected]
- www.headwaycapital.com
4.3
Excellent
2K reviews
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Horrible
Horrible, horrible service and the interest rate is just outright theft - they should be ashamed of themselves for "stealing" from small business owners. NEVER AGAIN.
December 31, 2025
Unprompted review
Reply from Headway Capital
We’re sorry to hear about your experience and we truly appreciate you sharing your valuable feedback. To help us look into this further, please contact our dedicated Headway Capital Customer Service team at (866) 698-8494.
Dont ask for money to this company they…
Dont ask for money to this company they are a predator I got 14k and they charge me 79% percent.
July 1, 2025
Unprompted review
Reply from Headway Capital
Hi, 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.
They are terrible
They are terrible. They misapplied my payoff, and took the next $6,300 payment from my account anyway. When they found the mistake they said they would refund my "overpayment" in 7 to 10 business days! I didn't overpay ... you stole funds from me! I understand this is a standard business plan of theirs ... horrible horrible horrible.
December 7, 2025
Unprompted review
Reply from Headway Capital
Hi Barbara, To protect your privacy all customer account questions/updates must be answered/made by a customer support representative. Please contact our team at [email protected] (866) 698-8494
Headways team is always helpful
Headways team is always helpful. Always quick to address my questions. Always pleasant and polite.
August 26, 2025
Unprompted review
Reply from Headway Capital
We appreciate you taking the time to share your positive experience! We're happy to hear that our team is helpful, quick, pleasant, and polite when addressing your questions.
Quick, prompt, courteous processing
They all did a great job communicating promptly and clearly throughout the whole process. Texts are good as well as phone calls for me, as well as sending me emails. They all kept me in the loop every step of the way communicating promptly. I’m happy to have access to Headway’s line of credit option,
July 21, 2025
Unprompted review
Reply from Headway Capital
We're happy to hear that our team communicated effectively with you throughout the process. We appreciate you mentioning the different communication methods that worked well for you. We are also glad you found the line of credit option helpful. Thank you for your positive feedback.
Terrible Rates
Terrible Rates. We accepted their offer of the "Premium Product" in order to build business credit, but that "premium product" has over 50% APR AND has a draw fee. You do not speak with anyone there after the sales pitch, so I cant give them points on that, but they do fund quickly. Depending on your cash flow and desperateness, you may which to look elsewhere.
July 21, 2025
Unprompted review
Reply from Headway Capital
Hi Tad, 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.
Absolutely terrible company to do…
Absolutely terrible company to do business with. Your payment is due on the first? They’ll take it out on the 25th -10th. Basically whenever they feel like it. All customer service people are sassy and rude. Terrible bank.
June 11, 2025
Unprompted review
Reply from Headway Capital
Hi Cory, We are sorry you had a negative experience with our customer support team, and we are here to resolve the issue. Please reach out to the Headway Capital Service team at [email protected], so our team can look into this further and get back to you with more details.
Headway has performed exactly as…
Headway has performed exactly as advertised. Draws are timely and accurate.
June 12, 2025
Unprompted review
Reply from Headway Capital
We're happy to hear that our service has met your expectations with timely and accurate draws. Thank you for your positive feedback!
very fast and smooth transactions…
very fast and smooth transactions during the process
June 10, 2025
Unprompted review
Reply from Headway Capital
We are happy to hear that your transaction was fast and smooth. Thank you for sharing your positive experience with us!
Read the terms carefully
We have no other option but to use the current line of credit. Unfortunately, the terms and conditions do not adjust based on improvements to our business credit. To secure more favorable terms, we would need to cancel the existing line of credit and apply for a new one. The interest rates on this line are extremely high.
June 6, 2025
Unprompted review
Reply from Headway Capital
Hi Hima, Thank you for providing 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.
They are slow to respond some times and…
They are slow to respond some times and their rates are of the worst out there. Moved to another company which gave us a substantial higher amount we can borrow and HALF the rate these guys charged us. If you are hurting and have NO other option, this is the company to go with. I hope I never have to get a loan from them again - it's brutal - 44.5% interest is, in my opinion, robbery!
September 30, 2024
Unprompted review
Reply from Headway Capital
Hi Hendrik, thank you for providing feedback. There are multiple variables that go into why we price the way we do, and we do our best to ensure our terms are clearly laid out on each contract. If you have additional questions, please contact our dedicated Headway Capital Customer Service team at (866) 698-8494
Unethical
The loan part was fine. I knew i was paying an UBER high rate, but it was short term & an easy application process. But after I paid everything back - they have had 3 months to send me my refund & they have not sent the refund from my payoff when i added an extra day-two "just in case." When I call they have various excuses. At the end of the day - 3 months? And counting? Sure seems like they have very little ethics.
May 15, 2025
Unprompted review
Reply from Headway Capital
Hi Paul, thank you for providing feedback. There are multiple variables that go into why we price the way we do, and we do our best to ensure our terms are clearly laid out on each contract. If you have additional questions, please contact our dedicated Headway Capital Customer Service team at (866) 698-8494.
Very easy to speak with and very helpful
May 2, 2025
Unprompted review
Reply from Headway Capital
We appreciate your kind words. We strive to provide excellent customer service and are glad you found our team helpful.
If you own a small business
If you own a small business, do not borrow from Headway Capital.
April 18, 2025
Unprompted review
Reply from Headway Capital
Liam, We’re sorry to hear about your experience and we truly appreciate you sharing your valuable feedback. To help us look into this further, please contact our dedicated Headway Capital Customer Service team at (866) 698-8494.
Just fantastic help with quick solutions!
Just fantastic help! Paula rescued me from a predatory broker and refunded all my funds and fees withing 24 hours. I'm blown away by the care and concern of Paula. Thank you, Headway Capital, for empowering your employees to take care of intense situations immediately!
April 30, 2025
Unprompted review
Reply from Headway Capital
We are thrilled to hear about your positive experience with Paula. It's wonderful to know that she was able to provide you with the support and assistance you needed. We strive to empower our team to go above and beyond to help our clients, and it's heartwarming to hear that Paula's efforts made such a difference for you.
Great experience fast funding
Great experience fast funding. Definitely what my business needed.
April 7, 2025
Unprompted review
Reply from Headway Capital
We're thrilled to hear you had a great experience and that the funding process was fast. It's fantastic that we were able to provide what your business needed.
The process was very fast and seamless
The process was very fast and seamless. Liam officer and underwriter were professional and patient with me
April 14, 2025
Unprompted review
Reply from Headway Capital
We appreciate your kind words and are thrilled to hear about your positive experience. We strive to provide efficient and seamless service, and it's wonderful to know that our team members were able to assist you.
Unable to draw funds from my account
I was able to draw funds from my account as needed,
now I was told by a representative that I can only withdraw a daily amount of $400 from an atm machine I asked why this change to my account and was told that that is all I can do now to get funds no more draws of funds to be deposited into my business account. I would like to know an actual reason why!
April 16, 2025
Unprompted review
Reply from Headway Capital
Kevin, we’re sorry to hear about your experience and we truly appreciate you sharing your valuable feedback.. Our dedicated Headway Capital Customer Service team has tried to get in touch with you to better understand what happened but have not been able to reach you. Please contact us at (866) 698-8494.
When I opened my credit line
When I opened my credit line, the interest percentage was not showing on my page. Few months later it appeared when I logged in and it was almost a 70% interest!!!! I called to see if they could help me and they DID NOT HELP AT ALL!
November 10, 2024
Unprompted review
Reply from Headway Capital
Hi Griselda, Thank you for providing 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.
2yrs Wasted
Headway Capital is a predator loan company,, Instead of helping All they do is try to hurt you,
March 10, 2025
Unprompted review
Reply from Headway Capital
Hi, Thank you for reaching out. At Headway Capital, we pride ourselves on providing equal access to credit and strictly adhere to fair lending laws. If you have any questions, please contact our dedicated Headway Capital Customer Service team at (866) 698-8494.
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