No instant access fees
Pay for what you use
No pre-payment penalties
We look forward to working with you and helping you Charge Your Business Forward™.
Choose your desired repayment term, payment frequency and loan amount to estimate your payment.
This calculator assumes a daily interest rate of 0.0658% and a draw fee of 2.00%. You may qualify for a credit limit of up to $250,000. Your actual interest rate, draw fee and credit limit may vary. Terms and conditions will be provided to applicants during the application process. All Idea Financial business credit lines are issued by Idea Financial.
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
Save time with our fast, cost-free application process.
We'll offer the best working capital solution for your business.
Withdraw the funds you need, when you need them.
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
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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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.
Stephanie
Austin
Rafael
Dave
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 above. You may opt out of receiving communications of your choice from Idea Financial as provided in the Privacy Policy. By clicking Get Started you agree to our Terms of Service and Privacy Policy.
By submitting your Credit Application (the “Application”) to Idea 247, Inc. (“Idea Financial”), you represent to Idea Financial, its agents and assignees, and you acknowledge and agree that (i) if the Application is by a company, you are authorized to apply on behalf of the company whose full legal name appears above under the Business & Personal Information portion of the Application for credit from us, (ii) the loan requested by the Application will not be used for any illegal or prohibited purpose, (iii) all information you provide within the Application and other supporting documents is true, complete and correct as of the date of the Application and (iv) Idea Financial may continuously rely on the information contained in the Application and you will notify us of any material changes to such information.
You understand and agree that Idea Financial and its agents and assignees are authorized to contact third parties to make inquiries in evaluating the Application, including, but not limited to, consumer or personal, business and investigative reports, and other information about you, including credit card processor statements and bank statements, from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax, and from other credit bureaus, banks, creditors, or other third parties.
You understand and agree that the information provided within the Application may be provided to third parties to use the information for any lawful purpose, including for the purpose of offering credit and/or other products and services to the signing individual(s) and/or the company.
You further understand and agree that Idea Financial may transmit the Application, along with any of the foregoing information obtained in connection with the Application, to any or all of Idea Financial’s agents and assignees, including prospective agents and assignees, for the forgoing purposes.
The data you provide to us is used to find the best financing solution for your business and it is stored according to our Privacy Policy. We use advanced encryption to ensure your information is secured.
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.
