Headway Capital only fills your tank up to $100k

Get more mileage out of your business financing with Idea Financial. Better rates and up to $250,000 in working capital.

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

Fast and flexible financing designed for business growth

Fast application, same-day approvals

Fast application, same-day approvals

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

The Idea Financial Line of Credit was created to help your business grow. With our revolving line, you can take advantage of opportunities as they come your way.


The right financing solution for your business

Make sure your business is ready for growth with financing with lower rates, longer payment terms, and higher credit limits. Access up to $250,000, pay for what you use, draw funds on-demand and consolidate your draws into one single payment schedule.

Get low payments with long repayment periods

Every draw you make restarts your repayment period

No origination fees or pre-payment penalties

Quick application, same-day approval

Apply now


Apply in minutes

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

Get approved icon


Get approved today

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

Fund your business icon


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) 938-4370
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


Online lenders




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) 938-4370
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 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 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.

Does Idea Financial offer unsecured loans?

Financing from Idea Financial is backed by a personal guarantee from the business owner(s). We do not require collateral, however.

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 long are your repayment periods?

Repayment periods vary from 6 to 18 months.

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 soon will I receive funds from Idea Financial?

This depends on your choice of transfer method. If you use an ACH transfer, funds will reach your account within one (1) business day. For some local and regional banks, it may take longer for the ACH transfer to arrive. If you choose to wire funds, then the funds reach your account almost instantly.

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.

Back to the top ↑
Tiffanni's headshot


Rebecca's headshot


Brooke's headshot


Marcos' headshot


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.