Headway Capital Reviews 

Working with Headway Capital is always a great experience. Their staff helps with quick responses or requests for funds. I highly recommend their company.

Robotic. Impersonal. Absent. Desensitized. Preoccupied. I've spoken with several different agents over the past 2.5 years. Today's call would be a case study for customer DISservice. Monotonous tone of voice. She asked for my date of birth and did not mention happy birthday. She did not listen to my request as she was audibly rearranging items in her office, bedroom, closet, etc. I asked to speak with a manager: she placed me on hold and then returned, stating, "No one is available. You'll receive an email in one to two business days." Unacceptable and pathetic.

I paid off my line of credit early and sent a wire just as their payoff letter instructed. 4 days later they deducted
the payment from my account. Today is day 23 trying to
get my money back. Multiple emails and multiple phone calls, every excuse known to man. Not sure if their broke or just really unethical. Will not go near them in the future. Beware!!

My interest rate jumped to almost 50%APR!

Horrible, just horrible! Ridiculous interest rates, they won’t even give time to pay back. The money I drew out from my live of credit posted in my account on 9/8/26. They already drew auto pay on 2 days later (9/10/26) even before I could use the money for what I needed it for.

Charging 52+APR is a crime and the government should step in and ban these types of companies from preying on small vulnerable businesses

The payback percentage is highway robbery almost like a loan shark

Headway Capital will take advantage of you and your situation. Under NO circumstances is this a good option. Don't walk, RUN. They are financial blood suckers. GO ANYWHERE ELSE.

Please see below. It's a letter from Headway Capital. I removed my personal information, but we are excellent customers--as you will see in the letter--and after more than a year of on-time payments, we requested a minimal short-term reduction to get over the hump. Their interest rates are insane. I would have been better off borrowing from the mafia. Please read Headway Capital's response to my request. These are the worst people to deal with. Please don't find out the hard way.

Of note: I've already spoken to customer service. How else would I have initiated the request? I learned a hard lesson so you don't have to.

Dear,

Thank you for contacting Headway Capital. The Complaints and Disputes Team has thoroughly reviewed your concerns regarding the interest rate and payment amount associated with account #. We appreciate the opportunity to review your concerns and address your request.

Upon review of your account, we confirmed that your Business Line of Credit Agreement for was executed on 2025. Your account is currently in good standing with a $0.00 past-due balance, and your next scheduled payment of $ is due on 2026.

We understand your concerns regarding the amount of interest being charged, your request to reduce the interest rate, and your request to lower your recurring payment amount. We also acknowledge the financial circumstances you shared and your request for assistance.

After a thorough review, we confirmed that the interest rate, payment schedule, and repayment obligations associated with your account were established in accordance with the terms of your signed Business-Use Line of Credit and Security Agreement (the “BLCSA”). The terms of the agreement remain applicable unless modified through a written agreement accepted by Headway Capital.

As outlined in Section 13 entitled PROMISE TO PAY of the Business-Use Line of Credit and Security Agreement between and Headway Capital, LLC (“Headway”):
“Borrower agrees to make to Lender each of the payments contemplated by Sections 11 and 12 in the manner contemplated thereby. Borrower agrees to pay Lender the principal balance of all Advances hereunder, all interest owed hereunder, and any and all other charges and/or other sums imposed by Lender in accordance with the terms of this Agreement.”

Additionally, Section 50 entitled CHANGE IN TERMS states that any requested changes to the agreement must be accepted by Headway Capital and are only binding when documented in a written agreement signed by Headway Capital.

Based on our review, we are unable to retroactively reduce the interest rate, permanently adjust the payment amount, or renegotiate the existing repayment terms outside of the provisions available under the agreement.

We understand that financial circumstances may change and appreciate you bringing your concerns to our attention. While we are unable to modify the contracted terms of your active account, we remain available to review whether any available account assistance options may apply based on your account status and circumstances.

If you would like to discuss available assistance options, please contact our Customer Support Team at (866) 698-8494.
Sincerely,

Headway Capital Management & Customer Support (866) 698-8494

When I accepted the Line of Credit, I was told that after a round of funding, that my terms would be adjusted and my line increased. I've been through multiple rounds of funding, but every time I ask for a better interest rate and an increase in my LOC, I am told "no". I feel stuck now because I could have gone with other companies that are known to abide by their promises. Choose carefully if you want Headway Capital and get every promise in writing because they won't do what they say they will do.

One of the first major lenders to believe in our small business and they have not failed us in over 2 years. We are grateful for their partnership. Easy to draw and easy to pay for their revolving Line of Credit. The only thing to be aware of is the draw is not instant. It does take a few days to arrive in the business account so you would want to plan accordingly.

Top-notch company. Very accommodating to your needs.

Best Business lending company I have ever worked with. When you need money it's stressful enough. Dealing with Headway is a breeze. They have a great system that makes things transparent and easy. And when you do talk with someone they are well informed and customer centric. Thank you Headway team sincerely.

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.

Easy to use and draws are paid within 12 to 24 hours

Very easy to apply and manage.

They made my experience very easy. It only took a day to be approved, and funds were in my account

For an emergency fund this was an easy finance option

Couldn’t have been easier!! Taylor made the whole experience fast and painless. I would highly recommend.