Apply for a business loan with Idea Financial

Borrow up to $250,000

Lending rates as low as 5.5%*

Instant application & decision

Applying is free and will not affect your credit score
Thank you for applying!
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Finished step
Contact info
Current step
Business info
Upcoming step
Ownership
Upcoming step
Financials

Age of your business

Entity type

Find it in your business registration or tax documents.

Sales estimate and EIN/Tax ID

The EIN can be found on your business tax returns, IRS notices, bank statements or online.

Thank you for applying!
Oops! Something went wrong while submitting the form.
Finished step
Contact info
Current step
Business info
Upcoming step
Ownership
Upcoming step
Financials

Business address

Thank you for applying!
Oops! Something went wrong while submitting the form.
Finished step
Contact info
Finished step
Business info
Current step
Ownership
Upcoming step
Financials

Additional contact info

We use this information to verify your identity, and use advanced encryption to keep it safe. Applying doesn't affect your credit score.

Date of birth

Estimated credit score

Home address

Thank you for applying!
Oops! Something went wrong while submitting the form.
Finished step
Contact info
Finished step
Business info
Current step
Ownership
Upcoming step
Financials

What's your stake in the business?

Add other owners if applicable.

Thank you for applying!
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Finished step
Contact info
Finished step
Business info
Current step
Ownership
Upcoming step
Financials

Add a second owner

We use this information to verify your identity, and use advanced encryption to keep it safe. Learn more here. Applying doesn't affect your credit score.

Date of birth

Estimated credit score

Home address

Thank you for applying!
Oops! Something went wrong while submitting the form.
Finished step
Contact info
Finished step
Business info
Current step
Ownership
Upcoming step
Financials

Add a third owner

We use this information to verify your identity, and use advanced encryption to keep it safe. Learn more here. Applying doesn't affect your credit score.

Date of birth

Estimated credit score

Home address

Thank you for applying!
Oops! Something went wrong while submitting the form.
Finished step
Contact info
Finished step
Business info
Current step
Ownership
Upcoming step
Financials

Add a fourth owner

We use this information to verify your identity, and use advanced encryption to keep it safe. Learn more here. Applying doesn't affect your credit score.

Date of birth

Estimated credit score

Home address

Thank you for applying!
Oops! Something went wrong while submitting the form.
Finished step
Basic info
Finished step
Business info
Current step
Ownership
Upcoming step
Financials

Upload bank statements easily with online bank linking

Search for or select one of the options shown after clicking on Link Your Bank, then follow the prompts. Linking your bank speeds up the application review, so we'll be able to give you funding options faster.

If your bank didn't show up or you prefer to upload bank statements manually, upload PDF copies of the last 3 months of your business's bank statements here.

When ready, submit your full application below.

Thank you for applying!
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Finished step
Basic info
Finished step
Business info
Current step
Ownership
Upcoming step
Financials

We're uploading your files, this will take a few seconds...

Almost there! We appreciate your patience.

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Finished step
Basic info
Finished step
Business info
Current step
Ownership
Upcoming step
Financials

Thank you!

We will be in touch soon. You are one step closer to getting a great loan for your business. Give yourself a pat on the back! After that, check out some website resources below.

Thank you for applying!
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We look forward to working with you and helping you Charge Your Business Forward™.

Finished step
Basic info
Finished step
Business info
Current step
Ownership
Upcoming step
Financials

Thank you!

You did it! Well, kinda. We are still missing bank statements, but we will give you call to get that sorted out. You can also email us your business's bank statements for the past 6 months below. Talk soon!

We look forward to working with you and helping you Charge Your Business Forward™.

Thank you for applying!
Oops! Something went wrong while submitting the form.

Apply for a business loan with Idea Financial

Borrow up to $250,000

Lending rates as low as 5.5%*

Instant application & decision

*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.
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.

Apply for a business loan with Idea Financial

Borrow up to $250,000

Lending rates as low as 5.5%*

Instant application & decision

*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.
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.

Apply for a business loan with Idea Financial

Borrow up to $250,000

Lending rates as low as 5.5%*

Instant application & decision

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How does it work?

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Get in touch

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Refer your clients

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Get paid

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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.

Low APRs from 5.5% (subject to UW process)

Loan or credit line options available

Quick application & decision

Borrow up to $250,000

Quick application for your clients, same-day approval

Apply now

Apply in minutes

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

Get approved icon

Get approved today

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

Fund your business icon

Fund your business

Withdraw the funds you need, when you need them.

To get a financing offer today, we'll need the following info in your application:

Basic details about your business such as time in business, entity type, address and revenue figures
Business owner information including contact info, date of birth, and SSN
A secure connection to your business bank account or bank statements for the most recent 6 months

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

Idea Financial

Banks & SBA

Varies

Online lenders

Varies

Varies

Varies

Credit cards

Our customers think we are excellent!

Business advisor

Austin

Business advisor

Stephanie

Business advisor

Rafael

Business advisor

Dave

Business advisor

Adriana

Business advisor

Milo

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor

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.

Low APRs from 5.5% (subject to UW process)

Loan or credit line options available

Quick application & decision

Borrow up to $250,000

Why borrow with Idea Financial?

Borrow from $10,000 to $250,000

Rates from 5.5%* subject to UW process

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.

Low APRs from 5.5% (subject to UW process)

Loan or credit line options available

Quick application & decision

Borrow up to $250,000

Why borrow with Idea Financial?

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

Borrow from $10,000 to $250,000

Rates from 5.5%* subject to UW process

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.

Low APRs from 5.5% (subject to UW process)

Loan or credit line options available

Quick application & decision

Borrow up to $250,000

Quick application, same-day approval

Apply now

Apply in minutes

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

Get approved icon

Get approved today

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

Fund your business icon

Fund your business

Withdraw the funds you need, when you need them.

To get a financing offer today, we'll need the following info in your application:

Basic details about your business such as time in business, entity type, address and revenue figures
Business owner information including contact info, date of birth, and SSN
A secure connection to your business bank account or bank statements for the most recent 6 months

Apply online or call us at:

1 (855) 900-7838
Applying is free and will not 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

Idea Financial

Banks & SBA

Varies

Online lenders

Varies

Varies

Varies

Credit cards

How do I apply for business financing?

Apply now

Start your application

Our 3 step application form takes less than 1 minute to complete.

Get approved icon

Get approved today

Subject to status, you will receive a same day decision.

Fund your business icon

Receive your credit

Funds should be accessible within 24 hours.

To get a financing offer today, we'll need the following info in your application:

Basic details about your business such as time in business, entity type, address and revenue figures
Business owner information including contact info, date of birth, and SSN
A secure connection to your business bank account or bank statements for the most recent 6 months

Apply online or call us at:

1 (855) 900-7838
Applying is free and will not affect your credit score

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.

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.

  • Your business must have been in operation for at least 2 years.

  • You must generate at least $15,000 in monthly revenue.

  • You must have a 650 or higher personal credit score.

  • You must not be a sole proprietorship or non-profit entity.

How do I apply for business financing?

Apply now

Start your application

Our 3 step application form takes less than 1 minute to complete.

Get approved icon

Get approved today

Subject to status, you will receive a same day decision.

Fund your business icon

Receive your credit

Funds should be accessible within 24 hours.

To get a financing offer today, we'll need the following info in your application:

Basic details about your business such as time in business, entity type, address and revenue figures
Business owner information including contact info, date of birth, and SSN
A secure connection to your business bank account or bank statements for the most recent 6 months

Apply online or call us at:

1 (855) 900-7838
Applying is free and will not affect your credit score

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.

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.

  • Your business must have been in operation for at least 2 years.

  • You must generate at least $15,000 in monthly revenue.

  • You must have a 650 or higher personal credit score.

  • You must not be 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

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.

Business advisor

Stephanie

Business advisor

Austin

Business advisor

Rafael

Business advisor

Dave

Grow your business with dedicated business advisors

Call us at

1 (855) 900-7838
Business advisor

Stephanie

Business advisor

Austin

Business advisor

Rafael

Business advisor

Dave

Grow your business with dedicated business advisors

Call us at

1 (855) 900-7838

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.

Frequently asked questions

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Credit application terms

You agree that Idea 247, Inc. (“Idea Financial”) or its representatives or agents may call, text, or email you at the number and/or email provided above. You may opt out of receiving communications of your choice from Idea Financial as provided in the Privacy Policy. By clicking Get Started you agree to our Terms of Service and Privacy Policy.

By submitting your Credit Application (the “Application”) to Idea 247, Inc. (“Idea Financial”), you represent to Idea Financial, its agents and assignees, and you acknowledge and agree that (i) if the Application is by a company, you are authorized to apply on behalf of the company whose full legal name appears above under the Business & Personal Information portion of the Application for credit from us, (ii) the loan requested by the Application will not be used for any illegal or prohibited purpose, (iii) all information you provide within the Application and other supporting documents is true, complete and correct as of the date of the Application and (iv) Idea Financial may continuously rely on the information contained in the Application and you will notify us of any material changes to such information.

You understand and agree that Idea Financial and its agents and assignees are authorized to contact third parties to make inquiries in evaluating the Application, including, but not limited to, consumer or personal, business and investigative reports, and other information about you, including credit card processor statements and bank statements, from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax, and from other credit bureaus, banks, creditors, or other third parties.

You understand and agree that the information provided within the Application may be provided to third parties to use the information for any lawful purpose, including for the purpose of offering credit and/or other products and services to the signing individual(s) and/or the company.

You further understand and agree that Idea Financial may transmit the Application, along with any of the foregoing information obtained in connection with the Application, to any or all of Idea Financial’s agents and assignees, including prospective agents and assignees, for the forgoing purposes.

Your privacy and security are important

The data you provide to us is used to find the best financing solution for your business and it is stored according to our Privacy Policy. We use advanced encryption to ensure your information is secured.

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