Bluevine and Headway Capital both lend mainly through a revolving business line of credit, but they are built for different borrowers. Bluevine offers lines of up to $250,000 and asks for a 625 FICO score, 12+ months in business and $10,000 in monthly revenue, and the business must be a corporation or LLC. Headway Capital offers lines of $5,000 to $100,000 with a lower revenue bar of $50,000 a year, and it doesn’t limit the line to corporations and LLCs on its pages. Choose Bluevine for a larger line; choose Headway if your revenue is below Bluevine’s minimum or your business isn’t an LLC or corporation.
For more on each lender, read our Bluevine review and Headway Capital review, or browse every head-to-head in the lender reviews hub. Figures below come from each lender’s own site.
Bluevine vs Headway Capital at a glance
Figures checked on September 21, 2026. Pricing is shown as each lender quotes it.
| Bluevine | Headway Capital | |
|---|---|---|
| Main product | Line of credit; business checking; term loans and SBA 7(a) loans through partners | Line of credit |
| Line amount | $1,000 to $250,000 | $5,000 to $100,000 (unsecured up to $50,000; secured up to $100,000) |
| Repayment | Weekly over up to 52 weeks, or monthly over 12 months | 12, 18 or 24 months; weekly or monthly payments |
| Pricing as quoted | Rates “as low as 7.8%” for top qualifying customers (basis not stated); no maintenance fees; “additional fees apply” | Rate varies by application; its payment calculator assumes 3.3% monthly interest; 2% draw fee (none in CO, GA, IN, NJ and OK); no annual or monthly service fee |
| Minimum credit score | 625 FICO (weekly plan); 700 (monthly plan) | Not published |
| Minimum revenue | $10,000 a month or $120,000 a year; $80,000 a month for the monthly plan | $50,000 a year |
| Minimum time in business | 12 months; 3 years for the monthly plan | One year on its line of credit page; six months in its FAQ |
| Business type | Corporation or LLC only | No entity restriction stated |
| Credit check to apply | Applying won’t affect your personal credit score | Applying won’t affect your credit score |
| Speed | Decision in as fast as 5 minutes; draws in as fast as 24 hours, or instantly into Bluevine Business Checking | Funds typically the next business day after approval |
| Availability | Not in Nevada, North Dakota, South Dakota or U.S. territories | 41 states plus DC (list in its FAQ) |
| Lender | Celtic Bank issues the line | Headway Capital, LLC, part of Enova International |
Who they are
Bluevine combines business banking with lending. Its line of credit “is issued by Celtic Bank” (Bluevine line of credit). Its term loans and SBA loans come from partners: Bluevine says term loans “are offered by Bluevine’s lending partners, not Bluevine” (Bluevine business loans).
Headway Capital, LLC is based in South Jordan, Utah, and is part of Enova International (NYSE: ENVA), according to its About Us page. Enova also owns OnDeck, so if you’re weighing those two, see OnDeck vs Headway Capital. Headway’s lending centers on a single product, a revolving business line of credit.
What each costs
A quick guide to the terms used below. Interest is the charge on the balance you owe, quoted as a rate per month or per year. A draw fee is a one-time charge, as a percentage of each amount you pull from the line. The APR (annual percentage rate) rolls interest and fees into one yearly figure, which makes it the most useful single figure for comparing offers.
Bluevine advertises “rates as low as 7.8% for top qualifying customers” and “no maintenance fees,” with a note that “additional fees apply.” The page doesn’t say whether 7.8% is a simple, periodic or annual rate, so it can’t be treated as an APR.
Headway’s rate varies by application. Its payment calculator “assumes a monthly interest rate of 3.3% and a 2% draw fee,” adding that “your interest rate and credit limit may vary based on your application” (Headway Capital). There is no draw fee in Colorado, Georgia, Indiana, New Jersey and Oklahoma. Its FAQ says interest “does not compound” and that there is no annual or monthly service fee (Headway FAQ). Detailed terms are posted state by state on its Rates & Terms page.
Neither lender publishes an APR for its line. Ask each one, in writing, for the APR, total repayment and payment schedule on a draw of the same size before you choose.
Worked example: Headway’s calculator assumptions
Using the rate Headway’s calculator assumes, 3.3% a month works out to 39.6% a year in simple interest (3.3% x 12), before the draw fee. On a $10,000 draw, the 2% draw fee is $200, taken once. Interest then runs on the balance you still owe, so paying down faster cuts the dollar cost, and Headway says you can repay “at any time without incurring any additional fee.” Your own rate may be higher or lower than the calculator’s. For Bluevine, ask for the APR and total repayment on the same $10,000.
Who qualifies
Bluevine
- Weekly plan: corporation or LLC, 625+ FICO, 12+ months in business, $2,000 average monthly bank balance, and more than $10,000 in monthly revenue or at least $120,000 a year (Bluevine Help Center).
- Monthly plan: 700+ FICO, 3+ years in business, $10,000 average monthly balance, and more than $80,000 in monthly revenue or at least $960,000 a year.
- No bankruptcies on your credit report, and not available in Nevada, North Dakota, South Dakota or U.S. territories.
Headway Capital
- Annual revenue of $50,000 or more (Headway line of credit). Unsecured lines go up to $50,000; lines up to $100,000 are secured.
- Time in business: Headway gives two figures. Its line of credit and Rates & Terms pages say at least one year; its FAQ says at least six months. Confirm which applies before you apply.
- Location in one of the states listed in its FAQ. Arkansas, Connecticut, Michigan, Montana, Nevada, North Dakota, Rhode Island, South Dakota and Vermont are not on that list.
- No minimum credit score is published.
Choose Bluevine if…
- You need a line above $100,000. Bluevine goes up to $250,000.
- You’re an LLC or corporation with a 625+ score, 12+ months of history and $10,000+ a month in revenue.
- You want business checking and credit in one place, with instant draws into Bluevine Business Checking.
- You may later want a term loan or SBA loan through Bluevine’s partners.
Choose Headway Capital if…
- Your revenue is between $50,000 and $120,000 a year, below Bluevine’s minimum.
- You’re a sole proprietor or partnership. Bluevine’s line requires a corporation or LLC, and Headway’s pages list no such requirement (confirm when you apply).
- You want up to 24 months to repay a draw, with weekly or monthly payments.
- You’re in Colorado, Georgia, Indiana, New Jersey or Oklahoma, where Headway charges no draw fee.
If you’re in Nevada, North Dakota or South Dakota, neither lender’s line is listed as available there. Our Bluevine vs Fundbox and OnDeck vs Bluevine comparisons cover other options.
Pitfalls to watch
- Different rate measures. Bluevine’s 7.8% is a starting rate for top qualifying customers, with no stated basis; Headway’s 3.3% is a monthly rate its calculator assumes. Neither is an APR, so don’t compare them side by side.
- Draw fees add up. Headway’s 2% applies to each draw in most states. Several small draws cost more in fees than you might expect.
- Weekly payments. Bluevine’s standard plan and Headway’s weekly option both debit your account every week. Check that your cash flow can carry it.
- Two time-in-business figures. Headway lists one year on some pages and six months in its FAQ. Ask before applying if you’re under a year.
FAQ
Is Headway Capital easier to qualify for than Bluevine?
On published minimums, yes. Headway asks for $50,000 in annual revenue and doesn’t limit the line to corporations and LLCs. Bluevine asks for $10,000 a month, a 625 FICO score and a corporation or LLC. Headway lists no credit score minimum, so ask how it weighs credit before you apply.
Which offers the bigger line?
Bluevine, with lines of $1,000 to $250,000. Headway’s lines run from $5,000 to $100,000, and anything above $50,000 is a secured line.
Will applying hurt my credit score?
Both lenders say applying won’t affect your credit score. Headway adds that it always does a soft inquiry unless your credit file is restricted, in which case lifting the restriction “may result in a hard pull.”
Who owns Headway Capital?
Headway Capital is part of Enova International, a publicly traded company that also owns OnDeck.
Next step
If you’d like to compare Bluevine or Headway offers with others, SMB Compass can help you line up options from the lenders we work with. Start with our business line of credit guide, or see Bluevine alternatives.
Sources
- Bluevine: Line of credit
- Bluevine: Business loans
- Bluevine Help Center: Line of credit repayment plans and requirements
- Bluevine Help Center: Credit line ranges
- Headway Capital: Home page and payment calculator
- Headway Capital: Business line of credit
- Headway Capital: FAQ
- Headway Capital: Rates & Terms
- Headway Capital: About us
About this page. Written by Ezra Cabrera, Content Team Lead at SMB Compass. Figures were checked against each lender’s own website on September 21, 2026; lenders change their terms, so confirm current terms before you apply, and let us know if you spot a figure that has changed. SMB Compass is a business financing broker: we don’t lend our own money, and we are paid by the lenders we place loans with. This page is general information, not financial, legal or tax advice.