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.
What people say
H
Heather Wilson · 2 reviews · Experienced 2025-04-30 ·
★★★★★
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!
Reply from Headway Capital2025-04-30
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.
The process was very fast and seamless. Liam officer and underwriter were professional and patient with me
Reply from Headway Capital2025-04-30
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.
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KEVIN N SCOTT · 2 reviews · Experienced 2025-04-16 ·
★★★★★
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!
Reply from Headway Capital2025-04-30
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, 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!
Reply from Headway Capital2025-03-17
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.
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customer · 2 reviews · Experienced 2025-03-10 ·
★★★★★
2yrs Wasted
Headway Capital is a predator loan company,, Instead of helping All they do is try to hurt you,
Reply from Headway Capital2025-03-17
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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Matthew Smith · 6 reviews · Experienced 2025-02-14 ·
★★★★★
Very easy to use
Very easy to use. Legit website and company. Took me a long time to find a legitimate business lender. Thank you.
Reply from Headway Capital2025-02-21
We appreciate your kind words and are thrilled to hear you found our platform easy to use and trustworthy. We strive to provide a seamless and reliable experience for our customers. Thank you for choosing us!
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Rather Bee Glamping · 1 review · Experienced 2025-02-14 ·
★★★★★
Smooth Process..
Working with Headway Capital has been a quick and easy process. The staff made it smooth in getting funds for my business and were there to help throughout the process. I appreciated the support in this next big step in my small business.
Reply from Headway Capital2025-02-19
We're so glad to hear you had a positive experience working with us. We strive to make the process of getting funding for your business as smooth and efficient as possible. We appreciate your kind words and are happy to hear that our team was able to provide the support you needed.
So bad and the agent Joseph S. Ferraro not tell me you will charge us $1400.00 for fee!!
I asked him why you lied on me, he start yelling on me he’s es not professional at all. and now im asking to cancel this agreements because the charges fee not fair at all. try many time to call your company but no one answered!!
Reply from Headway Capital2025-02-17
Hi Molham, thank you for reaching out. We received your application through a sales partner, as we work with a variety of sources who gain consent prior to sharing applications with our team. If you have any questions please reach out to our customer support team at (866) 698-8494. Thank you!
Wow is all I can say-same day service and super low rates and credit line-will be a long term client for sure. Great customer service.
Reply from Headway Capital2025-02-18
We are so happy to hear that you had a positive experience with our service. We appreciate your kind words about our same-day service, low rates, credit line, and customer service. We strive to provide our customers with the best possible experience, and we are thrilled to hear that we met your expectations. We look forward to serving you for many years to come.
Not BBB accredited! 84% APR is NOT acceptable for anyone. When paying down a loan... you can't get out from under it when you're a small business. Don't settle for this. There are real options! Talk to someone who knows how loans work and can explain to you. A business I work for loan for two years still owes same amount! This should be illegal.
Reply from Headway Capital2025-02-18
Hi Nancy, 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.
RUN! Whatever your situation, you can find batter options than ~60% APR. Also, they will block when online payments can be made so you can’t make payments to help with internet. Run as fast as you can! They rip off small businesses!
Reply from Headway Capital2025-02-17
Hi Holly, 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.
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Nina · 2 reviews · Experienced 2025-01-29 ·
★★★★★
The representative was very…
The representative was very professional. Listening to my needs and putting together an offer that best fits for me.
Reply from Headway Capital2025-02-03
We appreciate you taking the time to share your positive experience. We're glad you found the representative helpful and that they were able to provide you with an offer that met your needs.
D
David McKibben · 2 reviews · Experienced 2025-01-13 ·
★★★★★
Quick easy and fast funding
Quick easy and fast funding. Just tell him what you need and they'll do all the work their people are very informative and keep you up to date on everything I recommend them highly
Reply from Headway Capital2025-01-14
We're thrilled you found our funding process quick, easy, and efficient! We truly appreciate your kind words about our team's informativeness and proactive communication. It's rewarding to know we exceeded your expectations and provided a positive experience. We strive to make the funding process as smooth as possible for our clients, and your feedback reinforces that we're on the right track. Thank you for choosing us and for your wonderful recommendation! We value your business and look forward to assisting you again in the future.
O has a very good experience with Sumter Godley and of course with your company. We don’t like the rates but we understand right now the risk that we represented is high.
Hopefully in the future we can get a better deal.
Reply from Headway Capital2025-01-13
We appreciate you taking the time to share your feedback. We're thrilled to hear that you had a positive experience working with Sumter Godley and our company. We understand your concern regarding the rates and want to assure you that we carefully consider the risk involved in each project. We value your business and hope to continue working with you in the future. We'll certainly keep your feedback in mind as we evaluate our pricing strategies.
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Eva Middleton · 1 review · Experienced 2024-11-11 ·
★★★★★
DO NOT USE THIS COMPANY
I discourage the use of this company. I am a small business and needed additional capital after experiencing a drop in revenue and I needed to purchase inventory for the upcoming season. I just needed a small loan with simple terms. They approved me for over $50,000 in capital. I was charged a "DRAW" fee, then I was charged APR of 53%. After a several months of regular astronomical payments, I experienced hardship and could not make my payment at the predetermined set date, so I reached out to Headway to try and work out a revision to my payments. I was able to make modified payments for 3 months but then at the end of the 3rd month my accounts was then over $10,000 PAST DUE and they wanted that money NOW... Really, you will agree to work with me and let me make modified payments but then put my account in collections and demand $10,000. Knowing I am in hardship.. I requested a modification in terms to set a more reasonable payment and adjust the APR to a more reasonable amount. I was denied. I pay more in the interest then I do the principle. The manner in which they communicate is very deceiving and you really think they are trying to help, but in the big picture, they are helping themselves. You say you are there for the small business, but when the small business really struggles, you push your terms and refuse to renegotiate. The contract you sign is deceiving and misleads you regarding all the hidden fees and interest. It is outrageous and they prey on the little guy. They are scammers for sure and get you in a position you are trapped in. The APR is obscene and you're making a ton of money while the small business is struggling to stay alive. Shame on you!!!!
Reply from Headway Capital2025-01-03
Hi Eva, 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.
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CAROLYN GREEN · 2 reviews · Experienced 2024-12-02 ·
★★★★★
I’m so blessed to have found a company…
I’m so blessed to have found a company to give me and my business a chance. Thank you so much! I have a line of credit and I’m stress and worry free!
Reply from Headway Capital2025-01-07
We're thrilled to hear about your positive experience and how our services have helped alleviate your stress and worries. It's incredibly rewarding for us to know that we've been able to contribute to your business's success and provide you with the financial support you needed. We truly appreciate you sharing your kind words and are grateful for the opportunity to support you and your business. Your success is our success, and we're dedicated to continuing to provide excellent service. We wish you continued growth and prosperity. Thank you again for your wonderful feedback.
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jay lynch · 1 review · Experienced 2024-09-03 ·
★★★★★
Do not do business with this company
Do not do business with this company. They will charge you withdrawal fees, additional interest, and ignore your request for help. I was approved for a business loan and I declined after I learned about the additional withdrawal fees to use the money that you already pay interest on. After I was informed that the fee was waived, I accepted the loan. The withdrawal fee charged even after being informed it was waived. I was finally refunded but it was refunded as an interest payment. It should have been refunded to the principal amount as agreed. Called three times and promised an investigation would be open and a manager would call me. Never happened. Finally after 3 weeks I filed a complaint with the Consumer Financial Protection Bureau. After you get in their program customer service goes to 0.
Reply from Headway Capital2024-12-12
Hi Jay, We’re sorry to hear that you had a bad experience, and want to thank you for providing valuable feedback. Our dedicated Headway Capital Customer Service team will get in touch with you to better understand what happened. In the meantime, you can also call us at (866) 698-8494.
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Nelson Huerta · 1 review · Experienced 2024-11-06 ·
★★★★★
Grateful for finding Headway Capital…
Grateful for finding Headway Capital through Lendio. The trust in my company and the opportunity for growth is appreciated. The team was easy to deal with and process was simple.
Thank you,
Resilient Contracting Solutions inc.
Reply from Headway Capital2026-02-18
We're happy to hear that you had a positive experience and appreciate the simple process. Thank you for trusting us to help your company achieve its growth objectives; we appreciate your feedback.
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Andrew E. · 3 reviews · Verified · Experienced 2024-11-07 ·
