Business loans for women

Borrow up to $250,000

No origination fees

Fast online application & approval

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.
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Financing for women-led businesses

Idea Financial is a direct lender specializing in loans and lines of credit that will help you take your business to the next level.

Take control of your working capital

Expand your business, open new locations

Purchase equipment and inventory

Various funding options available

We are committed to working with female business leaders to help them grow. Idea Financial offers affordable commercial lines of credit and business loans to get you the money you need quickly. Let’s work together to find the right financing for you.

No fee business loans

Commercial lines of credit

No early repayment charges

Dedicated business advisors

How we support women in business

Idea Financial is a direct commercial finance provider set up to empower women and minority business owners just like you. We help women in business by providing their companies with the financial agility to compete, no matter what industry they are in.

We want to help women make their business ideas a reality by providing an affordable means of improving cash flow while minimizing risk. That is why we offer low APR loans for female-led businesses.

If you have more questions about how Idea Financial can help your business grow, please contact one of our business advisors. We are always happy to answer your questions.

How to apply for your loan?

Our business loans for women are easy to apply for. Start by clicking the apply now button in the upper right-hand corner of the screen. Then fill out our short online application.

Section one is all about your business. We just need some basic company information to help us put together your loan offers.

Section two focuses on you. We need information on the business owner to understand whom we are lending to. These are all simple questions and should only take a few minutes.

The last section is the financial review. We collect some information about the finances of the borrower as well as the business. With this information, we can quickly decide your eligibility and calculate what loans we may offer.

Section one is all about your business. We just need some basic company information to help us put together your loan offers.

Section two focuses on you. We need information on the business owner to understand whom we are lending to. These are all simple questions and should only take a few minutes.

The last section is the financial review. We collect some information about the finances of the borrower as well as the business. With this information, we can quickly decide your eligibility and calculate what loans we may offer.

What we look for in a business

We have 4 basic criteria that dictate who we can lend to. Anyone who meets these may be eligible for one of our loans.

Your business must have been in operation for at least 2 years. We have this requirement because it shows the business is stable and able to turn a profit. It also means the business has some financial history which helps us better understand any risks.

The business must earn no less than $15,000 a month in revenue. Meeting this threshold shows Idea Financial that you have a steady revenue stream and that you are capable of paying back a business loan.

You can not be a sole proprietorship or non-profit. Idea Financial does not offer loans to these business types for a variety of reasons.

Your personal credit score must be 650 or higher. Having a good credit score shows us that you and your business are a good investment. It also helps us offer better interest rates to our customers.

How long will it take to secure financing

Idea Financial understands that companies need access to flexible capital fast. Long waits for a business loan can mean the difference between life and death for small businesses.  

Our initial application takes just a few minutes and can be done online. When our experts receive your paperwork, we can usually make an approval decision and get you your money on the same day.

This means you will have the liquid assets available to respond to whatever your business needs quickly.

What can I use my business loan for?

Most of our loans to female-led businesses go toward expanding operations, opening new locations, buying needed supplies, or purchasing inventory. However, our loans can be used for almost anything related to your business.

A loan can be particularly helpful if you are looking to buy more products to get a discount on the price, upgrade or replace expensive equipment, or put the down payment on a new facility.

If you have more questions about what you can and can not use your loan, our business advisors are always happy to help. They will answer your questions and help you understand how to make your loan work for you.

Apply for a business loan with Idea Financial

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

Austin

Business advisor

Stephanie

Business advisor

Rafael

Business advisor

Dave

Business advisor

Adriana

Business advisor

Milo

Grow your business with dedicated business advisors

Call us at (855) 900-7838

Applying is free and will not
affect your credit score