Apply for a business
loan with Idea Financial

Term loans up to $250K, lines up to $350K

Rates as low as 1% per month*

Quick online application

Apply now
*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.
BBB A+ ratingTrustpilot
Chrystina Morteo
Chrystina Morteo used her line of credit to open a new location.
Dr. Thy Nguyen
Dr. Thy Nguyen uses his funds to invest in marketing campaigns.
Mike Marquez
Mike Marquez used his line to purchase safety equipment.

Why borrow with Idea Financial?

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

Term loans up to $250K, lines up to $350K, or up to $1M with Idea Signature

Rates as low as 1% per month*

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.

Rates as low as 1% per month, based on your business

Loan or credit line options available

Quick application & decision

Term loans up to $250K, lines up to $350K

Apply now

How do I apply for business financing?

Free to apply. No impact on your credit score.

Apply now
  1. 1Apply online.Tell us about your business in a few minutes.
  2. 2Get your offer.A dedicated business advisor walks you through your options.
  3. 3Get funded.Once you're approved, funding arrives in as fast as 24 hours.

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.

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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 3 years.
    ‍
  • You must generate at least $25,000 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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What you need to qualify

Your approved amount depends on your business's revenue, history and credit. Not every business will qualify for the maximum.

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Toolkit

Checklists, worksheets and plain-English guides built from the questions our funding team hears every day.

Frequently asked questions

Learn more about Idea Financial, the business line of credit and business loans.

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Contact Us

1 (855) 900-7838info@ideafinancial.com
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Idea Financial™ is a registered trademark of Idea 247 Inc. All Idea Financial business credit lines are issued by Idea Financial. All products are subject to Idea Financial’s final approval. You may qualify for a credit limit of up to $1MM. Your actual credit limit may vary. Terms and conditions will be provided to applicants during the application process. Terms and conditions are subject to periodic review and changes, including credit limits and pricing reductions, credit limit and pricing increases, or account closures.
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