Stripe Capital vs Headway Capital

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

Compare	Stripe CapitalStripe	Headway CapitalHeadway Capital
In one line	Advances repaid as a cut of your Stripe 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; repaid as a fixed share of Stripe sales (for example, $1,500 fee on $15,000)	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	Stripe only	Bank connection
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people
Available in	US · UK	US
Phone support	Every plan	Plans not stated
Live chat	Every plan	None listed
Support hours	Phone: 24x7 · Email: 24x7 · Live chat: 24x7	Phone: Monday–Friday, 8:30 a.m.–5:00 p.m. Central Time
Incidents posted	Stripe has a public status page. 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	50	68
Fit: Restaurant or café	40	68
Fit: Service business	60	70
Fit: Agency or studio	60	62
Fit: Trades or contractor	40	72
Fit: Online store	90	65
Why people pick it	No paperwork Repayment flexes with sales	Qualifies at six months in business Soft credit check to apply
Where it falls short	Only if Stripe offers it Flat fee can be pricey	Expensive monthly rate Not offered in every state
	Visit Stripe 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