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Enova International, logo

Enova International,

Listed
Online lender for business lines of credit and term loansChicago, IllinoisUnited States; availability depends on the operating brand, product, and state.
BBLL 000080Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

Enova’s small-business lending portfolio includes OnDeck term loans and lines of credit and Headway Capital revolving lines of credit. Borrowers apply to those operating brands, and the actual lender can vary by product and state; compare the named lender, fees, and repayment terms in the offer.

Online lender. Takes applications and makes credit decisions online.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Business lines of creditTerm loans
General small business
From the lender's own site and public records.

A second look at Enova International,

Enova’s small-business lending portfolio includes OnDeck term loans and lines of credit and Headway Capital revolving lines of credit. Borrowers apply to those operating brands, and the actual lender can vary by product and state; compare the named lender, fees, and repayment terms in the offer.

Fintech parent company of small-business lending brands OnDeck and Headway Capital; this profile summarizes those business products, not Enova’s consumer-credit brands.

Published by Levr, not by Enova International,. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

OnDeck term loan and line of credit

Products and amounts
OnDeck lists term loans from $5,000 to $400,000 with 18–24-month terms and revolving lines of credit up to $200,000.
Minimum screen
At least one year in business, $100,000 annual revenue, a 625 personal FICO score, and a business checking account are listed.
Security and fees
The line is described as unsecured; the term loan carries a general business-asset lien and personal guarantee. A 0%–4% origination fee is listed for term loans.
Contracting lender
OnDeck says the agreement may be issued by an OnDeck family company or Celtic Bank depending on state and borrower attributes; the contract identifies the lender.

Provider sources: OnDeck FAQs · OnDeck qualification requirements

Headway Capital revolving line of credit

Limit and term
$5,000–$100,000 revolving line with repayment periods of 12, 18, or 24 months, according to the FAQ.
Minimum screen and geography
At least six months in operation and $50,000 annual revenue; Headway lists state-specific availability rather than nationwide coverage.
Draw and repayment
Eligible borrowers can draw up to the available limit and choose repayment schedules when available; funds are typically deposited by the next business day after approval.

Provider sources: Headway Capital FAQ · Enova small-business brands

When it may fit

Our assessment of the published programs

  • Established U.S. businesses comparing online term borrowing with reusable line-of-credit access through Enova’s small-business brands.

What to weigh carefully

  • Pricing and eligibility differ by brand, state, and product; the two brands should not be treated as one interchangeable offer.
  • OnDeck term loans take a general lien and personal guarantee; obtain the executed lender identity and complete cost schedule.
  • Headway’s own FAQ lists specific eligible states; confirm the current state list before applying.

Questions before you accept an offer

  1. Which brand and legal entity will make and service the proposed credit?
  2. What APR, origination or draw fees, total repayment, and early payoff treatment apply?
  3. What liens, personal guarantees, and automatic debit terms are included?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Fundbox

Fundbox offers a U.S. revolving business line with a different stated amount and eligibility profile.

Rapid Finance

Rapid Finance offers a broader range of U.S. working-capital products, including lines, term financing, and receivables-based options.

The lender

Type
Online lender
Legal name
Enova International, Inc.
Founded
2004
Charter
Not yet provided Add it
Headquarters
Chicago, Illinois
Service area
United States; availability depends on the operating brand, product, and state.
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
enova.com
LinkedIn
Company page

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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