Shopify Capital vs Headway Capital

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

Compare	Shopify CapitalShopify	Headway CapitalHeadway Capital
In one line	Funding for Shopify stores, repaid from a share of daily sales	Line of credit up to $100K after six months in business
Starting price	Flat fee, no interest	Interest + 2% draw fee
Six-person team	Flat fee, no interest	Interest + 2% draw fee
Plans	One flat fee, no interest; repaid as a fixed share of daily sales over up to 18 months; up to $2M; 90 days selling on Shopify, no credit check	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	Shopify	Bank connection
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people
Available in	US · CA · UK · AU	US
Phone support	None listed	Plans not stated
Live chat	None listed	None listed
Support hours	Not published	Phone: Monday–Friday, 8:30 a.m.–5:00 p.m. Central Time
Incidents posted	0 incidents posted on Shopify's status page, which covers all Shopify products and regions, in the 90 days to Oct 27, 2026. Status page	We found no public status page for Headway Capital.
Trustpilot score	Not listed	3.8 / 5 from 2,275 reviews
Fit: Retail shop	60	68
Fit: Restaurant or café	15	68
Fit: Service business	10	70
Fit: Agency or studio	5	62
Fit: Trades or contractor	5	72
Fit: Online store	90	65
Why people pick it	No credit check Payments follow sales	Qualifies at six months in business Soft credit check to apply
Where it falls short	Shopify stores only Offers are invite-only	Expensive monthly rate Not offered in every state
	Visit Shopify Capital ↗	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