Headway Capital vs Kapitus

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

Compare	Headway CapitalHeadway Capital	KapitusKapitus
In one line	Line of credit up to $100K after six months in business	Larger loans and revenue-based financing for businesses past two years
Starting price	Interest + 2% draw fee	Rates from 6.2%
Six-person team	Interest + 2% draw fee	Rates from 6.2%
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-based financing up to $5M over 6-24 months; line of credit up to $750K (needs $180K revenue); needs 2+ years in business, $250K yearly revenue, 650 credit score; rates from 6.2%, set by quote
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Bank connection	Bank connection
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 Kapitus.
Trustpilot score	3.8 / 5 from 2,275 reviews	4.4 / 5 from 802 reviews
Fit: Retail shop	68	70
Fit: Restaurant or café	68	72
Fit: Service business	70	70
Fit: Agency or studio	62	62
Fit: Trades or contractor	72	75
Fit: Online store	65	65
Why people pick it	Qualifies at six months in business Soft credit check to apply	Large amounts Several offers from one application
Where it falls short	Expensive monthly rate Not offered in every state	Only the lowest rate is published Needs two years and $250K revenue
	Visit Headway Capital ↗	Visit Kapitus ↗

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