Up to $250K in financing to digest a Kabbage loan

The Idea Financial Line of Credit gives clear terms, a revolving line, up to 18-month payment periods and more.

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

Be prepared to reap business growth with a real line of credit

Grow your business

Grow your business

Cover cash flow gaps

Cover cash flow gaps

Hire new staff, make payroll

Hire new staff, make payroll

Invest in marketing & sales

Invest in marketing & sales

Purchase inventory and equipment

Purchase inventory and equipment

Refinance existing loans

Refinance existing loans

With the Idea Financial Line of Credit, we make business funding easy with clear terms and access to a credit limit of up to $250,000. Invest in your business and simply take advantage of growth opportunities.

Rhino

Control your working capital with up to $250,000

Kabbage business loans have confusing terms and fees. Unlike the Kabbage line of credit, the Idea Financial Line of Credit is truly revolving. Every time you draw funds, your balance owed increases. Every time you make a payment, your balance owed decreases and you're able to withdraw more funds. No matter how many times you draw, you get one single payment schedule.

Every draw you make restarts your repayment period

No origination fees or pre-payment penalties

Pay early and save on interest

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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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) 937-2596
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

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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) 937-2596
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.

What is a business line of credit?

A business line of credit is a flexible funding solution that allows business owners to withdraw funds up to a certain credit limit and pay interest only on the funds withdrawn. Every time you draw funds, your balance owed increases. Every time you make a payment, your balance owed decreases and you're able to withdraw more funds. With a line of credit you can draw and repay funds as you wish as long as the balance outstanding doesn't go over your credit limit.

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 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.

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 is interest calculated?

Interest is calculated daily on the amount owed (i.e. the outstanding balance on your Idea Financial Line of Credit account). We apply the daily interest rate to the outstanding principal to arrive at the daily accrued interest. If there is any accrued interest, when you make a payment we apply the payment amount to the accrued interest first, then to any outstanding balance. The more payments you make, the lower your balance would be and the lower your interest cost would be as well.

Once I open an Idea Financial Line of Credit account, am I obligated to start using the line right away?

No. You have 30 days from the account opening date to use your line of credit. If you do not make a draw within the first 30 days, the account will be closed. If you make a draw within the first 30 days, your line will remain open so that you can draw again.

Can I build business credit with Idea Financial?

Yes. Idea Financial reports to the main credit bureaus. By financing your business and making your regular payments you will build a strong business credit history.

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™.

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.