Take control of your working capital and avoid Payability's daily instant access fees, escrow bank accounts, and marketplace access.
It's risk free and doesn't affect your credit score
No instant access fees
No escrow bank accounts
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.
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
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Save time with our fast, cost-free application process.
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We'll offer the best working capital solution for your business.
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Withdraw the funds you need, when you need them.
No origination or annual fee
Doesn't affect your personal credit
Paperless application
Quick approval and funding
Build business credit
Dedicated business advisor
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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
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.
Idea Financial offers a quick and efficient paperless application process broken down into three steps.
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.
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.
We will conduct a "soft pull" or "soft inquiry", which means that your credit score WILL NOT be affected.
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.
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.
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.
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.
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.
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.
No, there are no fees to keep your Idea Financial account open.
Tiffanni
Rebecca
Brooke
Marcos
Not only do you get great business financing, you also get a dedicated business advisor to support you as you grow.
You agree that Idea 247, Inc. (“Idea Financial”) or its representatives or agents may call, text, or email you at the number and/or email provided to us. Idea Financial™ is a registered trademark of Idea 247 Inc. All Idea Financial business credit lines are issued by Idea Financial. All products are subject to Idea Financial’s final approval. You may qualify for a credit limit of up to $250,000. Your actual credit limit may vary. Terms and conditions will be provided to applicants during the application process. Terms and conditions are subject to periodic review and changes, including credit limits and pricing reductions, credit limit and pricing increases, or account closures.
