Overcome OnDeck financing gaps with up to $250K in funding

The Idea Financial Line of Credit gives you working capital with no monthly fees, up to 18-month terms, same day funding.

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 credit score

Steer your growth forward with a business line of credit

Take control of your working capital

Take control of your working capital

Cover cash flow gaps

Cover cash flow gaps

Expand your business, open new locations

Expand your business, open new locations

Invest in marketing & sales

Invest in marketing & sales

Bid & win on larger contracts

Bid & win on larger contracts

Grow your business

Grow your business

It is not enough to be OnDeck, be the captain and steer your business in the right direction. With the Idea Financial Line of Credit, you have on-demand access to a credit limit of up to $250,000 to invest in your business and simply take advantage of growth opportunities.

Rhino

Control your working capital, focus on your business

Some OnDeck business loans are rigid, limited and carry monthly fees. With Idea Financial, your funds are available from our online portal and can reach your bank account the same day you need them. Each payment replenishes your available funds. Every draw you make restarts your repayment period all over again.

Pay for what you use from your credit limit

No origination fees or pre-payment penalties

Get low payments with long repayment periods

Quick application, same-day approval

Apply now

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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) 904-1541
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

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) 904-1541
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 running a business. We came together to create funding solutions tailored to you that empower you and your business.

Who is Idea Financial?

We’re a team of experienced business advisors and financial services professionals who came together with an idea: to create funding solutions that empower you and your business. We offer a business line of credit and a term loan. Stay tuned for more financing products.

How does Idea Financial work?

We provide fast and flexible financing to businesses across the United States. Fill out our risk-free application, provide some basic information about your business and its owners, and we'll provide you with funding options. Reach out and meet our Business Advisors, they will be delighted to help you Charge Your Business Forward™.

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.

Are there fees to keep my Idea Financial account?

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

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.

How does Idea Financial determine its financing rates?

Rates are determined after our credit review. We use cash flow information, personal credit scores, and other metrics to determine our rates.

Do I need to link my bank account with Idea Financial?

We encourage customers to link their business bank account to Idea Financial. This speeds up application processing as well as fund transfers. By linking your account, we are able to verify bank account ownership and other bank information faster.

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.

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.

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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.