Business loan refinancing made simple

Receive up to $250,000 in working capital to lower your payment and invest in your business.

Fill out the form below to begin your application.

Applying is free and will not affect your credit score. By applying you agree to our Terms of Service and Privacy Policy.

Thank you! We will reach out to you within a business day. Get to know us more here.
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It's risk free and doesn't affect your credit score

Lower your cost of financing

Refinance existing loans

Refinance existing loans

Cover cash flow gaps

Cover cash flow gaps

Take control of your working capital

Take control of your working capital

Business debt consolidation is easy with the Idea Financial Line of Credit. By paying down higher rate debt, you are able to see lower recurring payments that free up your cash flow.


Financing to simplify your cash flow

Consolidate your business debts into one payment schedule. Pay only for what you use from your credit line and enjoy up to 18-month repayment terms. Save with no origination or monthly fees.

Fast approvals, next-day funding

Pay early and save on interest

Every draw you make restarts your repayment period

Quick application, same-day approval

Apply now


Apply in minutes

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

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Get approved today

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

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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) 490-0872
It's risk free and doesn't affect your credit score

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


Online lenders




Credit cards

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

Apply online or call us at:

1 (855) 490-0872
It's risk free and doesn't affect your credit score

Our customers think we are excellent!

Frequently asked questions

We're a team of experienced business advisors and financial services professionals who understand the challenges of running a business. We came together to create funding solutions tailored to you that empower you and your business.

Who is Idea Financial?

We’re a team of experienced business advisors and financial services professionals who came together with an idea: to create funding solutions that empower you and your business. We offer a business line of credit and a term loan. Stay tuned for more financing products.

How does Idea Financial work?

We provide fast and flexible financing to businesses across the United States. Fill out our risk-free application, provide some basic information about your business and its owners, and we'll provide you with funding options. Reach out and meet our Business Advisors, they will be delighted to help you Charge Your Business Forward™.

How does Idea Financial determine its financing rates?

Rates are determined after our credit review. We use cash flow information, personal credit scores, and other metrics to determine our rates.

How do I draw funds?

You will be able to draw funds by logging into your Idea Financial account online and submitting a draw request. You can also call your Business Advisor.

When do I receive my loan funds?

Once you sign your loan agreement, we will transfer the funds to your business bank account. If you use an ACH transfer, funds will reach your account within one (1) business day. For some local and regional banks, it may take longer for the ACH transfer to arrive. If you choose to wire funds, then the funds reach your account almost instantly.

Are there fees to keep my Idea Financial account?

No, there are no fees to keep your Idea Financial account open.

Are there costs associated with closing my Idea Financial account?

No. As long as your outstanding balance is zero (0), you can close your account at any time and at no cost.

How long are your repayment periods?

Repayment periods vary from 6 to 18 months.

How can I make payments to my Idea Financial Line of Credit?

For your convenience, we process payments automatically on a weekly, bi-weekly, or monthly basis. Should you wish to make a payment in addition to your weekly, bi-weekly, or monthly payment, you can do so logging into your Idea Financial account online and submitting a payment. You can also call your Business Advisor.

How can I see a history of draws and payments?

You can see a history of all transactions on your account by logging in to your Idea Financial account online. You can also download the list of transactions.

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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.