Up to $250,000 invest in your business are just a few clicks away
Pay for what you use
No pre-payment penalties
It's risk free and doesn't affect your credit score
Cover cash flow gaps
Expand your business, open new locations
Hire new staff, train personnel
Invest in marketing & sales
Purchase inventory and equipment
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.
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.
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
Save time with our fast, cost-free application process.
We'll offer the best working capital solution for your business.
Withdraw the funds you need, when you need them.
No origination or annual fee
Doesn't affect your personal credit
Quick approval and funding
Build business credit
Dedicated business advisor
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.
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™.
We fund businesses that have:
You can start your risk-free application here. Applying does not affect your credit score.
Rates are determined after our credit review. We use cash flow information, personal credit scores, and other metrics to determine our rates.
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.
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.
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.
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.
Repayment periods vary from 6 to 18 months.
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.
Not only do you get great business financing, you also get a dedicated business advisor to support you as you grow.