Lendio vs Headway Capital

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

Compare	LendioLendio	Headway CapitalHeadway Capital
In one line	Marketplace that shops your application to 75+ lenders	Line of credit up to $100K after six months in business
Starting price	Free to apply	Interest + 2% draw fee
Six-person team	Free to apply	Interest + 2% draw fee
Plans	No fees listed for applicants; lenders set rates and terms and may pay Lendio for referrals	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
Pricing model	Free	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Bank and accounting connections	Bank connection
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people
Available in	US	US
Phone support	Every plan	Plans not stated
Live chat	None listed	None listed
Support hours	Phone: Monday–Friday 7:30 AM–5:00 PM MST	Phone: Monday–Friday, 8:30 a.m.–5:00 p.m. Central Time
Incidents posted	We found no public status page for Lendio.	We found no public status page for Headway Capital.
Trustpilot score	4.5 / 5 from 21,925 reviews	3.8 / 5 from 2,275 reviews
Fit: Retail shop	80	68
Fit: Restaurant or café	80	68
Fit: Service business	75	70
Fit: Agency or studio	65	62
Fit: Trades or contractor	80	72
Fit: Online store	70	65
Why people pick it	One form, many offers SBA loan help	Qualifies at six months in business Soft credit check to apply
Where it falls short	Expect sales calls Offers vary widely	Expensive monthly rate Not offered in every state
	Visit Lendio ↗	Visit Headway Capital ↗

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