Grow your business with fast, flexible financing

Get up to $250,000 in working capital to build and expand your support activities for forestry business.

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

The financing gateway to business growth

Purchase inventory and equipment

Purchase inventory and equipment

Invest in marketing & sales

Invest in marketing & sales

Bid & win on larger contracts

Bid & win on larger contracts

The Idea Financial Line of Credit is the perfect financing tool for new projects and the constant changes in the support activities for forestry industry. Whether you are preparing to take on larger clients or simply need to update your equipment, our line of credit is the perfect financing solution.


Estimate your payments with our line of credit calculator

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.

Financing with more flexibility that's tailored for your support activities for forestry business

Up to $250,000 to invest in your business growth. Draw from your line on command and receive funds as fast as today. Pay only for what you use from your credit line and enjoy up to 18-month repayment terms. Save with no origination, monthly or instant access fees.

Fast approvals, next-day funding

Pay early and save on interest

Every draw you make restarts your repayment period

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) 449-0197
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


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) 449-0197
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™.

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.

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.

When do I receive my loan funds?

Once you sign your loan agreement, we will transfer the funds to your business bank account. If you use an ACH transfer, funds will reach your account within one (1) business day. For some local and regional banks, it may take longer for the ACH transfer to arrive. If you choose to wire funds, then the funds reach your account almost instantly.

Are there fees to keep my Idea Financial account?

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

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.

How long are your repayment periods?

Repayment periods vary from 6 to 18 months.

How can I make payments to my Idea Financial Line of Credit?

For your convenience, we process payments automatically on a weekly, bi-weekly, or monthly basis. Should you wish to make a payment in addition to your weekly, bi-weekly, or monthly payment, you can do so logging into your Idea Financial account online and submitting a payment. You can also call your Business Advisor.

How can I see a history of draws and payments?

You can see a history of all transactions on your account by logging in to your Idea Financial account online. You can also download the list of transactions.

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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.