Grow your business with fast and flexible financing

Get up to $250,000 in working capital, the only thing between your business and growth is a few clicks.

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

A line of credit built for growth

Grow your business

Grow your business

Invest in marketing & sales

Invest in marketing & sales

Hire new staff, make payroll

Hire new staff, make payroll

Bid & win on larger contracts

Bid & win on larger contracts

Purchase inventory and equipment

Purchase inventory and equipment

Take control of your working capital

Take control of your working capital

Idea Financial gives you the flexibility to grow on your own terms. Inject cash flow in the areas of your business that will generate the best returns. Our revolving line of credit replenishes after every payment, giving you the ability to take on opportunities as they come up.

Rhino

A financial solution to make every dollar count

Access to up to $250,000 in a revolving line of credit and get low payments with long repayment terms. 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.

Draw funds at any time

Pay early and save on interest

No origination fees or pre-payment penalties

Quick application, same-day approval

Apply now

1

Apply in minutes

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

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2

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) 938-4285
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) 938-4285
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 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 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 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.

Will Idea Financial pull my personal credit report?

We will conduct a "soft pull" or "soft inquiry", which means that your credit score WILL NOT be affected.

Are there fees to keep my Idea Financial account?

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

Can I take financing from the SBA while taking financing from Idea Financial?

Yes, we encourage our customers to take advantage of SBA loans.

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.

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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.