Fast & flexible business financing

Same day approval, same day funding

No origination fees, pay for what you use

Business line of credit up to $250,000

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.
Business term loan dashboard

Estimate your payback with our calculator

Choose your desired repayment term, payment frequency and loan amount to estimate your payment.

This calculator assumes a daily interest rate of 0.0658% and a draw fee of 2.00%. You may qualify for a credit limit of up to $250,000. Your actual interest rate, draw fee and credit limit may vary. Terms and conditions will be provided to applicants during the application process. All Idea Financial business credit lines are issued by Idea Financial.

The right business financing solution for your business

The Idea Financial Line of Credit is the most flexible way to fund your business. With Idea Financial, your funds are available at any time straight from your online portal. You can withdraw funds to hire new staff, renovate property, purchase equipment and inventory, or simply take advantage of any growth opportunities that come your way.

No charges for early repayment

No charges for early repayment

Every draw you make restarts your repayment term

Quick application, same-day approval

Apply now

Apply in minutes

Save time with our fast, cost-free application process.

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Get approved today

We'll offer the best working capital solution for your business.

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Fund your business

Withdraw the funds you need, when you need them.

Apply online or call us at: 1 (855) 900-7838

It's risk free and doesn't affect your credit score

2 or more years in business

$15,000 or more in monthly revenue

650 or higher personal credit score

Not a sole proprietorship or non-profit entity

How we compare against other lenders

No origination or annual fee

Doesn't affect your personal credit

Paperless application

Quick approval and funding

Build business credit

Dedicated business advisor

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Get to know why our bold idea is you

Not only do you get great business financing, you also get a dedicated business advisor to support you as you grow.