Headway Capital (www.headwaycapital.com) has a 3.8 out of 5 rating on OK.one, based on 102 user reviews collected here. It is listed under Money & Insurance and its reputation is mixed. 24% of reviews are 1 star, a relatively high share; The business has replied to 100% of negative reviews; 29 of them were added in the last 12 months. Last updated 2026-08-10.
The worst company ever, it's a mafia loan at 50% interest. Stay clear and never take a loan from Headway
Hi BB, Thank you for providing this feedback. There are multiple variables that go into why we price the way we do. If you have additional questions about our rates, please contact our dedicated Headway Capital Customer Service team at (866) 698-8494.
I’ve been using Headway Capital for years now. It’s been very easy to use and practical to draw funds from my line of credit for my business for the most part. But the APR is way too high, kinda disappointed that I’ve never got a reduction of my APR after all of those years with them.
Hi Prestige Rentals, 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 about our rates, please contact our dedicated Headway Capital Customer Service team at (866) 698-8494.
Love the company,easy to deal with,professional,quick,great for small biz,a true line of credit,there when you need them
We're happy to hear that you had a wonderful experience! Thank you for sharing your positive feedback; we appreciate you highlighting our services for small businesses.
Headway Capital makes access to all of our loan documents extremely easy, as well as the access to our LOC when needed. Customer Service representatives are easy to reach, and our relationship with our account manager has been great.
We're happy to hear that accessing your loan documents and line of credit is easy. It's great to know that you find our customer service representatives accessible and that you value your account manager relationship. Thanks for your feedback.
last year at this time balance was 25,000 this year its 34,000, been paying 450 a month, how is that possible? your guys a thiefs, please don't do business with these people.
Hi Trinic, 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.
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.
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 are a predator I got 14k and they charge me 79% percent.
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 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.
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. Always quick to address my questions. Always pleasant and polite.
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.
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,
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. 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.
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 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.
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 advertised. Draws are timely and accurate.
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 during the process
We are happy to hear that your transaction was fast and smooth. Thank you for sharing your positive experience with us!
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.
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.
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.
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.
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!
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
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, do not borrow 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.
Great experience fast funding. Definitely what my business needed.
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.
102 reviews matching