Get faster marketplace payouts with up to $250,000

Take control of your working capital and avoid Payability's daily instant access fees, escrow bank accounts, and marketplace access.

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 eCommerce businesses

No instant access fees

No instant access fees

No escrow bank accounts

No escrow bank accounts

No marketplace portal access required

No marketplace portal access required

Some online lenders, like Payability, make you jump through hoops and charge instant access fees that directly take a bite out of your Amazon Seller Central sales. Paying instant access fees for your hard earned sales cuts down your margins. Make sure your eCommerce business can unlock the funds it needs from your sales to take control of your working capital, buy bulk inventory and take advantage of growth opportunities.

Rhino

The right financing solution for online sellers

Waiting for your marketplace payout feels like an eternity. Get the flexibility to unlock funds with no fees, buy inventory and sell faster with an eCommerce line of credit from Idea Financial. Login to Idea Financial’s portal and access your funds quickly. We support all major marketplaces like Amazon, Shopify, Walmart, Etsy, and more!

Avoid instant access fees, escrow bank accounts, and marketplace access

Draw funds at any time

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) 776-1901
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

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Online lenders

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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) 776-1901
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 online sellers. We came together to create funding solutions tailored to you that empower you and your business.

What information do you need from me to apply?

Idea Financial offers a quick and efficient paperless application process broken down into three steps.

  1. First we will ask for basic details about your business such as time in business, entity type and revenue figures
  2. Next we will ask for business owner information including ownership structure and SSN.
  3. Last, we will ask for a secure connection to your business bank account or for bank statements for the most recent 6 months.

You can start your risk-free application here. Applying does not affect your credit score.

We use advanced encryption to keep your information safe in accordance with our Privacy Policy.

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.

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.

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.

What is a business line of credit?

A business line of credit is a flexible funding solution that allows business owners to withdraw funds up to a certain credit limit and pay interest only on the funds withdrawn. 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. With a line of credit you can draw and repay funds as you wish as long as the balance outstanding doesn't go over your credit limit.

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.

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.

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.