Flexible funding for small businesses

Finance up to $275,000

Fast application and funding

Dedicated business advisors

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


Our office will be closed from 2:00 PM Friday, December 22 through Tuesday, December 26 to celebrate the holidays.

Grow your business with funding of up to $275,000

Low APR financing to help small businesses become bigger businesses.

Take control of your working capital

Expand your business, open new locations

Purchase equipment and inventory

Find your perfect financing with Idea Financial

We offer business funding options to companies of all sizes. With no fees and fixed terms, we can help you get the money you need fast and get on with more important things, like running your company.

Multiple term options available

Quick approval and financing

Easy online application

No early repayment charges

How to apply?

To apply for a business loan with Idea Financial simply click on the green apply now button in the upper right-hand corner of your screen. This will take you to our applications page. 

Step 1 is business information. Tell us about your company so we can understand what you do and where you are based. This helps us get an idea of who we are lending to.

Step 2 is the owner information. This section helps us learn everything we need to know about you. This is important as we need to assess any risk associated with the loan.

Step 3 is a financial review. This lets you tell us about your finances so we can understand your ability to repay a loan. 

Once these 3 sections are filled out you just need to submit the application and we will get back to you with our decision.

Who is eligible?

At Idea Financial we want to make sure our funding options are available to as many small businesses as possible. That is why we keep our eligibility rules simple. If you meet these 4 criteria we will be able to consider your loan application. 

First, you must have been in business for at least 2 years. This shows your business is able to sustain itself and means you can provide potentially important financial documentation. 

Second, you must have a credit score of at least 650. This helps us assess the risk we are taking lending you money and it also helps us keep interest rates low for our customers. 

Third, you must not be a sole proprietorship or non-profit. We are not able to grant funding to these business types. 

Fourth, we require that the small businesses we lend to generate at least $15,000 in monthly revenue. This is important because it shows you have a healthy and steady cash flow. It also means you are more likely to be able to afford loan repayments.

What can I use the funding for?

Our funding is perfect for small businesses because it is as flexible as they are. You can use your commercial funding to grow your business, buy merchandise, open new locations or invest in equipment. 

We understand that you know your company better than anyone else. That means you know where a cash infusion would help your business the most. 

If you have specific questions about how you can use business financing, we are always happy to help. Contact our dedicated business advisors today and they can answer any questions you may have.

How long will it take?

Applying for business funding takes just minutes. Start by filling out our 3 step application. When you have finished and pressed submit it will be sent directly to our expert team. 

Once we have your application we do our best to get you an answer fast. We aim to provide quick approval and funding wherever possible. That means once you are offered a loan you could have your money rather quickly.

If there are any questions about your information we will be in touch. Our professionals know that getting you your money fast can mean the difference between success and failure as a small business owner. That is why we work so hard to keep our turnaround time as short as possible.

How we support small businesses

Idea financial is all about creating funding solutions that put the power back in the hands of business owners. Our company was formed with the goal of helping small businesses take their ideas and make them a reality. 

That is why we provide funding for small businesses that is designed to improve cash flow, manage risk, lower borrowing costs and improve your business acumen. 

With this in mind, we work with each of our customers to build an equitable relationship. That means going above and beyond what is necessary to help you meet and exceed your goals. We believe that small businesses are the backbone of the American economy and it is essential to support the entrepreneurs who build these companies.

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

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