Square Loans vs Headway Capital

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

Compare	Square LoansBlock	Headway CapitalHeadway Capital
In one line	Advances for Square sellers, repaid from card 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 per loan, no interest; a fixed share of daily card sales repays it	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	Square only	Bank connection
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people
Available in	US · UK · CA · AU	US
Phone support	Plans not stated (US)	Plans not stated
Live chat	Plans not stated	None listed
Support hours	Not published	Phone: Monday–Friday, 8:30 a.m.–5:00 p.m. Central Time
Incidents posted	14 incidents posted on Block's status page, which covers all Block products and regions, in the 90 days to Oct 27, 2026; 0 marked major or critical by Block. 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	90	68
Fit: Restaurant or café	85	68
Fit: Service business	70	70
Fit: Agency or studio	20	62
Fit: Trades or contractor	50	72
Fit: Online store	40	65
Why people pick it	Offers appear automatically No fixed monthly payment	Qualifies at six months in business Soft credit check to apply
Where it falls short	Must sell through Square Minimum repayment every 60 days	Expensive monthly rate Not offered in every state
	Visit Square Loans ↗	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