Construction business financing up to $250,000

Fast funding with the flexibility to draw, prepay at any time and extend payments for up to 18-months.

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.

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It's risk free and doesn't affect your credit score

Financing to take your business to the next level

Grow your business

Grow your business

Bid & win on larger contracts

Bid & win on larger contracts

Expand your business, open new locations

Expand your business, open new locations

Fast application, same-day approvals

Fast application, same-day approvals

Hire new staff, train personnel

Hire new staff, train personnel

Purchase inventory and equipment

Purchase inventory and equipment

Large or small, every project is an opportunity to generate more business. Whether you need to expand your construction crew or buy equipment for your next contract, the Idea Financial Line of Credit has your back. We give your business the funding it needs to complete projects on time by helping you avoid cash flow gaps.

Rhino

Financial flexibility at your fingertips

Manage your operations based on your plans and timetable. Draw funds at any time with up to 18-month repayment terms. Complete a project early, prepay early and save on interest. No matter how many times you draw, your payments belong to a single payment schedule, making it easy to have control over your costs.

Fast approvals, next-day funding

Every draw you make restarts your repayment period

No origination fees or pre-payment penalties

Quick application, same-day approval

Apply now

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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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3

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 0764
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

Varies

Online lenders

Varies

Varies

Varies

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 0764
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™.

What makes the Idea Financial Line of Credit special?

Our line of credit is a truly revolving, unsecured credit line with no annual fees and no repayment penalties. This means that you can withdraw funds and make payments as needed with interest accruing daily on any outstanding balance. Payments are due weekly, bi-weekly or monthly and are setup so that you repay the amount owed over long repayment terms, which makes your payment amount low. Every time you make a draw, your repayment period starts all over again, giving you the ability to see even lower payments.

How soon can I get a decision from Idea Financial?

Idea Financial can provide a decision in minutes if we have all the necessary information and you link your bank account. Funding can become available within a business day.

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.

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.

Are there fees to keep my Idea Financial account?

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

How much money can I draw?

We have credit limits of up to $250,000. As a rule of thumb, you can draw funds up to your credit limit minus any outstanding balance. If your credit limit is $250,000, and your balance is zero (0), you can draw $250,000. You can draw as many times as you would like, as well, as long as you stay within your credit limit.

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.

Is there a cost to apply for financing from Idea Financial?

There is no cost to apply for financing from Idea Financial. Our application is risk free, has no costs, and doesn't affect your personal credit score.

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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.