Apply for a business loan

Same day approval and multiple funding options

Access loans without origination fees

Borrow 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


Round 2 of the PPP is here! Apply here to get relief funds.

You can borrow up to $250,000

Idea Financial is a direct business lender offering business loans and lines of credit.

Take control of your working capital

Expand your business, open new locations

Purchase equipment and inventory

Financing your business success

Idea Financial offer business loans and working capital loans with great terms and a low APR. We can provide a fast cash infusion to help your company grow and succeed. Let us help you build a loan that fits your business.

Commercial loans with no fees

No charges for early repayment

Borrow up to $250,000

Business loans or lines of credit available

How do I apply for a business loan?

Applying for a business loan with Idea Financial is quick and easy. First click on the apply now button in the upper right-hand corner of your screen, then fill out the required information.

There is a section about business information so we can understand your company, a section about owner information so you can provide us with some personal info and a financial review where we get to know more about your financial situation. The entire application only takes a few minutes.

Once you have submitted your application we review it to check your suitability for a business loan. These are standard checks and if we do not have any questions we will contact you about your application and let you know if we can offer you a loan.

Do I qualify?

There are 4 basic tests we use to determine if your business qualifies for a loan. If you meet these basic criteria we can consider your application.

If you're not sure if you meet our criteria please get in touch.

What can I use a business loan for?

Business loans can be used for most business-related expenses. This can include expanding your operation, opening new stores, purchasing equipment or buying inventory. Our goal is to put as few restrictions on your financing as possible so you can take control of your working capital and quickly make decisions about your companies spending.

If you have specific questions about how you can spend your loan you can speak with our business advisors at (855) 900 7838. They can help you answer any questions you may have and help you better understand the benefits of selecting us as your funding partner.

How long does the process take?

At Idea Financial, we take pride in providing fast and efficient corporate lending. We understand that businesses often have to work to tight deadlines and delays in cash flow cost you money. As such we have same day approval and funding for our loans.

Our application process takes just two minutes. Once our team recieve your application and you accept the offer we can make the funding available almost immediately. In fact, we can usually approve your loan and get you funding on the same day.

This means you can get the cash you need fast to move your business forward without any application costs or long wait times.

Can I take out more than one business loan?

Yes, Idea financial offers customers multiple loans. If you are interested in taking out a second loan from us you will need to have paid off at least 50% of your initial loan. Once this is done we are happy to consider you for a second loan.

You will need to apply for a second loan just like you did for your first loan. We can then review your application to see if you qualify for more financing. If you are approved we can usually get you your funding on the same day.

You can also reach out to our business advisors to talk about accessing additional funding. They can help answer any additional questions.

Apply for a commercial line of credit or business loan now

Apply in minutes

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

Get approved today

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

Fund your business

Withdraw the funds you need, when you need them.

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

Applying is free and will not affect your credit score

We fund businesses that have:

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

Our customers think we are excellent!

Business advisor


Business advisor


Business advisor


Business advisor


Grow your business with dedicated business advisors

Call us at (855) 900-7838

Applying is free and will not
affect your credit score