Apply for a business loan with Idea Financial

Borrow up to $250,000

Lending rates as low as 5.5%*

Instant application & decision

*Example interest rate calculated from total repayments over 26 weeks. We are a direct lender, not a broker.
Applying is free and will not affect your credit score.
Chrystina Morteo used her line of credit to open a new location.
Dr. Thy Nguyen uses his funds to invest in marketing campaigns.
Mike Marquez used his line to purchase safety equipment.

Why borrow with Idea Financial

Borrow from $10,000 to $250,000

Rates from 5.5%* subject to UW process

Quick and simple application process

Business financing made simple

We pride ourselves on the efficiency of our lending process & ability to offer funding to businesses of all shapes and sizes. We have thousands of happy customers with more joining us every day and our feedback is always positive.

Low APRs from 5.5% (subject to UW process)

Loan or credit line options available

Quick application & decision

Borrow up to $250,000

How do I apply for business financing?

Apply now

Start your application

Our 3 step application form takes less than 1 minute to complete.

Get approved icon

Get approved today

Subject to status, you will receive a same day decision.

Fund your business icon

Receive your credit

Funds should be accessible within 24 hours.

Apply online or call us at:

1 (855) 900-7838
Applying is free and will not affect your credit score

What is a business loan?

A business loan is an agreement between a lender and a business where the former provides immediate funding & the latter repays the money in installments, over an agreed-upon length of time. The borrower also pays a certain percentage of interest as an incentive to the lender.

A business loan can help you as a business owner with large purchases or running costs. Allowing you to focus your resources on sustaining and growing your business.

A business loan is great for specific expenses like the purchase of a new location for business expansion, equipment, vehicles to help improve your operations and boost growth.

Do I qualify for a loan?

There are 4 basic rules that we use to check if someone is eligible for a business loan from Idea financial. These help us understand your business as well as ensure you have the funds available to make repayments.

  • Your business must have been in operation for at least 2 years.

  • You must generate at least $15,000 in monthly revenue.

  • You must have a 650 or higher personal credit score.

  • You must not be a sole proprietorship or non-profit entity.

Our customers think we are excellent!

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Grow your business with dedicated business advisors

Call us at

1 (855) 900-7838