Headway Capital vs Fora Financial

Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	Headway CapitalHeadway Capital	Fora FinancialFora Financial
In one line	Line of credit up to $100K after six months in business	Short-term loans with published factor rates and fees
Starting price	Interest + 2% draw fee	Factor rates from 1.13
Six-person team	Interest + 2% draw fee	Factor rates from 1.13
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	Loans and revenue advances up to $1.5M over 4-18 months; factor rates 1.13-1.50 (early payoff can cut to 1.05); origination fee from 2.5% plus a wire fee; daily or weekly payments
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 (US)
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.	Fora Financial has a public status page. Status page
Trustpilot score	3.8 / 5 from 2,275 reviews	4.7 / 5 from 1,122 reviews
Fit: Retail shop	68	72
Fit: Restaurant or café	68	75
Fit: Service business	70	65
Fit: Agency or studio	62	50
Fit: Trades or contractor	72	70
Fit: Online store	65	60
Why people pick it	Qualifies at six months in business Soft credit check to apply	Published factor-rate range and fees Early payoff discount, no prepayment penalty
Where it falls short	Expensive monthly rate Not offered in every state	Short terms make the cost high Its pages list different minimums
	Visit Headway Capital ↗	Visit Fora Financial ↗

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