COMPARISON
Lendway vs Headway Capital
An honest comparison to help you choose the right business funding partner for your needs.
✓ Unbiased Analysis✓ Real User Feedback✓ Updated December 2025
OVERVIEW
At a glance
L
Lendway
RECOMMENDEDA modern business funding marketplace that connects you with 75+ lenders for the best rates and terms. Transparent pricing, fast approvals, and dedicated support.
Highlights
- No hard credit pull to check rates
- Access to 75+ lenders in one application
- Same-day funding available
- Transparent fee structure
- US-based support team
H
Headway Capital
Est. 2013Headway Capital offers lines of credit to small businesses with transparent pricing and flexible repayment options.
Pros
- Revolving credit
- Draw as needed
- Transparent pricing
- Build relationship
Cons
- High rates
- Lower max amounts
- Monthly fees possible
FEATURES
Feature comparison
| Feature | Lendway | Headway Capital |
|---|---|---|
Soft Credit Pull to Check Rates See rates without impacting your credit score | ||
Same-Day Funding Get funds deposited the same day you apply | ||
Multiple Lender Options Compare offers from multiple lenders | ||
Bad Credit Accepted Options for credit scores below 600 | ||
No Collateral Required Unsecured funding options available | ||
Transparent Pricing Clear fee structure with no hidden costs | ||
Dedicated Advisor Personal support throughout the process | ||
Maximum Loan Amount Highest available funding | $5,000,000 | $100,000 |
Minimum Credit Score Credit requirements | All credit types | 620+ |
Time in Business Required Minimum operating history | 3 months | 1 year |
APR Range Interest rate range | 7.5% - 45% | 35% - 99% |
Funding Speed How quickly you can get funded | Same day - 7 days | 1-3 days |
Rate Competitiveness How competitive are the offered rates | 4.5 | 3.0 |
Application Experience Ease and speed of the application process | 4.5 | 4.0 |
Customer Support Quality Responsiveness and helpfulness of support | 5.0 | 4.0 |
RATINGS
How they compare
Interest Rates
Lendway
4.5
Headway Capital
3.0
Funding Speed
Lendway
4.5
Headway Capital
4.0
Customer Service
Lendway
5.0
Headway Capital
4.0
Flexibility
Lendway
5.0
Headway Capital
4.0
Overall Experience
Lendway
4.5
Headway Capital
3.0
OUR VERDICT
Both are excellent choices
Headway Capital is a strong competitor with revolving credit. However, Lendway's unique marketplace approach means you can potentially access Headway Capital AND 74 other lenders through one application, ensuring you find the absolute best deal for your business.
FAQs
Common questions
Is Lendway better than Headway Capital?+
Both options have their strengths. Lendway is a lending marketplace that connects you with 75+ lenders, giving you more options to compare. Headway Capital is a direct lender with revolving credit. The best choice depends on your specific needs, credit profile, and funding timeline.
What are the main differences between Lendway and Headway Capital?+
The key difference is that Lendway provides access to 75+ lenders through one application, while Headway Capital offers funding directly. Lendway offers loan amounts up to $5M with funding as fast as 4 hours, while Headway Capital offers up to $100,000 with funding in 1-3 days.
Which has better rates: Lendway or Headway Capital?+
Rates vary based on your business profile, credit score, and loan type. Lendway's marketplace model often helps businesses find more competitive rates by comparing multiple lenders. Headway Capital's rates range from 35% to 99%. We recommend checking both to see which offers better terms for your situation.
What credit score do I need for Headway Capital?+
Headway Capital typically requires a minimum credit score of 620+. Lendway works with all credit types and can connect you with lenders even if you have bad credit, giving you more options to explore.
How fast can I get funded with Headway Capital vs Lendway?+
Headway Capital typically funds in 1-3 days. With Lendway, depending on the lender match, you can receive funding as fast as 4 hours for certain products, though most loans fund within 1-7 days.
Does Headway Capital do a hard credit pull?+
Headway Capital may perform a hard credit pull as part of the application process. Lendway never performs a hard credit pull when checking your rates—only when you choose to proceed with a specific lender.