Apply for a business line of credit

Borrow from $10,000 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.

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.
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Your business must have been in operation for at least 2 years.
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You must generate at least $15,000 in monthly revenue.
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You must have a 650 or higher personal credit score.
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You must not be a sole proprietorship or non-profit entity.

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Why borrow with Idea Financial

We are a direct business lender that specializes in small business loans for companies across the USA.

Borrow from $10,000 to $250,000

Rates from 5.5%* subject to UW process

Quick and simple application process

Business financing made simple

Our revolving line of credit is the most flexible way to fund your business. Your funds are available on demand from our online customer portal, meaning you can withdraw funds at any time.

Pay for what you use from your credit limit

Replenish available credit after every payment

Get low payments with repayment terms of up to 36 months

Borrow up to $250,000

How do I apply for business financing?

Start your application

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

Get approved today

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

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 line of credit?

A business line of credit is a form of revolving financing that allows you to withdraw funds up to an agreed-upon credit limit and only pay interest on the amount drawn. It is revolving because you are able to withdraw funds, pay back a portion or all of those funds, and borrow more funds up to your credit limit.

Funds are available on-demand and take as little as a few minutes to reach your bank account.

For example, a line of credit for $100,000 could be extended to your company. You could take the full $100,000, or only take $5,000. You would then only be charged interest on the amount you took, so you could use your line of credit like a credit card.