Write your story of business growth

Fund business opportunities up to $250K today. Re-apply to get started.

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.

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

A business line of credit made for growth

Grow your business

Grow your business

Expand your business, open new locations

Expand your business, open new locations

Invest in marketing & sales

Invest in marketing & sales

Getting a business loan in the form of a line of credit gives you control of your working capital. The Idea Financial Line of Credit provides cash at hand for purchasing new equipment or inventory, hire and train new personnel, refinance existing loans and more. The point being, you decide best how to invest in your business to help it grow.

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A different kind of financing solution for your business

The Idea Financial Line of Credit is the most flexible way to fund your business. Each time you draw, your repayment term gets extended and your payments are spread out again, giving you the ability to see lower payments. All payments are part of the same schedule and there are no fees when prepaying.

Fast approvals, next-day funding

Get low payments with long repayment periods

Pay for what you use from your credit limit

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) 904-1456
It's risk free and doesn't affect your personal 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) 904-1456
It's risk free and doesn't affect your personal credit score

Our customers think we are excellent!

Frequently asked questions

We're a team of experienced business advisors and financial service professionals who understand the challenges of running a business. Each business is different and understanding the different financing needs is what we specialize in. We came together to create funding solutions that empower your business.

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.

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.

What if I don't need funds right away?

Even if you don’t need financing today, securing your line of credit ensures that funds will be available to you when the need arises. Unlike a term loan that requires you to start paying on the full amount immediately, the Idea Financial Line of Credit enables you to draw funds as needed, only paying for the funds used.

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 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.

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.

How is interest calculated?

Interest is calculated daily on the amount owed (i.e. the outstanding balance on your Idea Financial Line of Credit account). We apply the daily interest rate to the outstanding principal to arrive at the daily accrued interest. If there is any accrued interest, when you make a payment we apply the payment amount to the accrued interest first, then to any outstanding balance. The more payments you make, the lower your balance would be and the lower your interest cost would be as well.

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.

Are there fees to keep my Idea Financial account?

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

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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.