Short term Bluevine credit entangles your progress

Charge Your Business Forward™ with up to $250K and 18-month repayment terms.

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

Up to $250,000 to 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

Unlock funds, next-day cash transfers

Unlock funds, next-day cash transfers

Refinance existing loans

Refinance existing loans

Untangle your business from a short term Bluevine line of credit. Take on more opportunities and invest with confidence by unlocking the funds and flexibility found in the Idea Financial Line of Credit.

Rhino

The right funding solution for your business

With the Idea Financial Line of Credit your business is ready to take on any investment. Get repayment terms of up to 18-months, and every draw you make restarts your repayment period. We offer lower rates than other lenders, so your business starts on the right path from day one.

Pay for what you use from your credit limit

Draw funds at any time

Pay early and save on interest

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) 939-4274
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) 939-4274
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 long are your repayment periods?

Repayment periods vary from 6 to 18 months.

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.

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 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.

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.

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.

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.

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.