Fast and flexible financing to grow your business

Up to $250,000 in working capital to invest in your business are just a few clicks away.

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.
Oops! Something went wrong while submitting the form.

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

A line of credit for your business needs

Cover cash flow gaps

Cover cash flow gaps

Expand your business, open new locations

Expand your business, open new locations

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

Bid & win on larger contracts

Bid & win on larger contracts

Decide how you want to use your funds. Whether it's buying more inventory, investing in marketing, hiring another hand, or else, the Idea Financial Line of Credit has your back with fast and flexible financing.

Rhino

A financial solution that works for you

The Idea Financial Line of Credit is the most flexible way to fund your business. Access up to $250,000 in funds and get low payments with long repayment terms. Draw as much funds as you have available, repay, then draw again. Pay back the funds used in one single payment schedule.

Pay early and save on interest

Pay for what you use from your credit limit

Draw funds at any time

Quick application, same-day approval

Apply now

1

Apply in minutes

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

Get approved icon

2

Get approved today

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

Fund your business icon

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) 481-0345
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) 481-0345
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.

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 businesses qualify for financing from Idea Financial?

We fund businesses that have:

  • A minimum of 2 years in business
  • $15,000 or more in monthly revenue
  • Owners with 650+ credit scores
  • Not a sole-proprietorship or nonprofit entity

You can start your risk-free application here. Applying does not affect your credit score.

We use advanced encryption to keep your information safe in accordance with our Privacy Policy.

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.

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.

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 long are your repayment periods?

Repayment periods vary from 6 to 18 months.

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.

Back to the top ↑
Tiffanni's headshot

Tiffanni

Rebecca's headshot

Rebecca

Brooke's headshot

Brooke

Marcos' headshot

Marcos

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.