Take control of your working capital with a PPP bridge loan

Avoid long processing times, apply for a business line of credit with limits of up to $250,000. Pay interest only on what you draw.

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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Instant access to a flexible and revolving business line of credit

Fast application, same-day approvals

Fast application, same-day approvals

Unlock funds, next-day cash transfers

Unlock funds, next-day cash transfers

Cover costs while you wait for relief funds

Cover costs while you wait for relief funds

As business activities suffer disruptions throughout the country, thousands of small businesses have submitted applications for the Paycheck Protection Program (PPP) and Economic Injury Disaster Loans (EIDL). However, due to long processing times, your business might need extra cash while you wait for the funds to reach your account. You can apply today for an Idea Financial Business Line of Credit to bridge that gap and repay it when you receive the PPP or EIDL funds.


The right business financing solution for your business

A business line of credit is the most flexible way to fund your business and take control of your working capital. With Idea Financial, your funds are available on demand straight from our online customer portal.

Draw funds at any time

Pay for what you use from your credit limit

No origination fees or pre-payment penalties

Quick application, same-day approval

Apply now


Apply in minutes

Save time with our fast, cost-free application process.

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Get approved today

We'll offer the best working capital solution for your business.

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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) 912-0562

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


Online lenders




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) 912-0562

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.

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.

Are there costs associated with closing my Idea Financial account?

No. As long as your outstanding balance is zero (0), you can close your account at any time and at no cost.

What happens after I apply?

After we receive your application, we will review it to ensure that we have the necessary information, and will reach out to you if we don't. Once we have a complete application we will proceed with a credit review and will provide you with an offer within a business day. The offer will include the financing terms, the product types, and next steps to access your funds.

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.

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.