OnDeck vs Headway Capital

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

Compare	OnDeckOnDeck	Headway CapitalHeadway Capital
In one line	Fast term loans and credit lines for established small businesses	Line of credit up to $100K after six months in business
Starting price	Avg 53.2% APR	Interest + 2% draw fee
Six-person team	Avg 53.2% APR	Interest + 2% draw fee
Plans	Term loan $5K-$400K up to 24 mo (avg 53.2% APR); line of credit $6K-$200K (avg 59.8% APR); needs 1 year in business, $100K revenue, 625 FICO	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	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Bank connection	Bank connection
Team size	2–10 people · 11–50 people	Just me · 2–10 people
Available in	US	US
Phone support	Every plan (US)	Plans not stated
Live chat	None listed	None listed
Support hours	Phone: Mon-Fri 9 a.m. - 7 p.m. ET	Phone: Monday–Friday, 8:30 a.m.–5:00 p.m. Central Time
Incidents posted	We found no public status page for OnDeck.	We found no public status page for Headway Capital.
Trustpilot score	4.6 / 5 from 6,128 reviews	3.8 / 5 from 2,275 reviews
Fit: Retail shop	70	68
Fit: Restaurant or café	70	68
Fit: Service business	72	70
Fit: Agency or studio	65	62
Fit: Trades or contractor	75	72
Fit: Online store	65	65
Why people pick it	Decisions and funding within days Credit line you can redraw	Qualifies at six months in business Soft credit check to apply
Where it falls short	High APR Needs a year of history and $100K revenue	Expensive monthly rate Not offered in every state
	Visit OnDeck ↗	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