Headway Capital vs Credibly
Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.
Short version
Credibly fits restaurant or café.
Headway Capital fits agency or studio.
| Compare | ||
|---|---|---|
| In one line | Line of credit up to $100K after six months in business | Working capital and cash advances from $5,000 after six months in business |
| Starting price | Interest + 2% draw fee | Factor rates from 1.11 |
| Six-person team | Interest + 2% draw fee | Factor rates from 1.11 |
| Plans | Credit line $5K-$100K; repay each draw over 12-24 months; 2% draw fee in most states; no annual or monthly fee; needs 6 months in business and $50K yearly revenue; 41 states and DC | Working capital $25K-$600K over 6-24 months; merchant cash advance $5K-$600K over 3-24 months; factor rates from 1.11; daily or weekly payments; needs 6+ months in business, $20K average monthly revenue, 550 credit score (product pages; the homepage says $15K and 500) |
| Pricing model | Paid | Paid |
| Free trial | — | — |
| Users | n/a | n/a |
| Integrations | Bank connection | Soft credit check to apply |
| Team size | Just me · 2–10 people | 2–10 people · 11–50 people |
| Available in | US | US |
| Phone support | Plans not stated | Plans not stated |
| Live chat | None listed | None listed |
| Support hours | Phone: Monday–Friday, 8:30 a.m.–5:00 p.m. Central Time | Not published |
| Incidents posted | We found no public status page for Headway Capital. | We found no public status page for Credibly. |
| Trustpilot score | 3.8 / 5 from 2,275 reviews | 4.8 / 5 from 2,819 reviews |
| Fit: Retail shop | 68 | 75 |
| Fit: Restaurant or café | 68 | 78 |
| Fit: Service business | 70 | 65 |
| Fit: Agency or studio | 62 | 50 |
| Fit: Trades or contractor | 72 | 70 |
| Fit: Online store | 65 | 62 |
| Why people pick it |
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| Where it falls short |
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| Visit Headway Capital | Visit Credibly |
Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices
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