Headway Capital vs National Funding

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

Compare	Headway CapitalHeadway Capital	National FundingNational Funding
In one line	Line of credit up to $100K after six months in business	Working capital up to $500K and equipment financing
Starting price	Interest + 2% draw fee	Rates by quote
Six-person team	Interest + 2% draw fee	Rates by quote
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 $6K-$500K, daily or weekly payments over 4-24 months; equipment financing up to $150K over 2-5 years; rates not published; most customers 600+ FICO
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	Every plan
Live chat	None listed	None listed
Support hours	Phone: Monday–Friday, 8:30 a.m.–5:00 p.m. Central Time	Phone: Monday – Friday 7:30am to 4:30pm PT
Incidents posted	We found no public status page for Headway Capital.	We found no public status page for National Funding.
Trustpilot score	3.8 / 5 from 2,275 reviews	4.6 / 5 from 2,215 reviews
Fit: Retail shop	68	72
Fit: Restaurant or café	68	75
Fit: Service business	70	68
Fit: Agency or studio	62	55
Fit: Trades or contractor	72	78
Fit: Online store	65	62
Why people pick it	Qualifies at six months in business Soft credit check to apply	Large amounts Equipment financing too
Where it falls short	Expensive monthly rate Not offered in every state	Rates not published Daily or weekly repayments
	Visit Headway Capital ↗	Visit National Funding ↗

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