Take control of your working capital

Business line of credit of up to $250,000

Pay for what you use

No pre-payment penalties

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Applying is free and will not affect your credit score
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Age of your business

Entity type

Find it in your business registration or tax documents.

Sales estimate and EIN/Tax ID

The EIN can be found on your business tax returns, IRS notices, bank statements or online.

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Business address

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Additional contact info

We use this information to verify your identity, and use advanced encryption to keep it safe. Applying doesn't affect your credit score.

Date of birth

Estimated credit score

Home address

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What's your stake in the business?

Add other owners if applicable.

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Add a second owner

We use this information to verify your identity, and use advanced encryption to keep it safe. Learn more here. Applying doesn't affect your credit score.

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Add a third owner

We use this information to verify your identity, and use advanced encryption to keep it safe. Learn more here. Applying doesn't affect your credit score.

Date of birth

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Add a fourth owner

We use this information to verify your identity, and use advanced encryption to keep it safe. Learn more here. Applying doesn't affect your credit score.

Date of birth

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Upload bank statements

Search for or select one of the options shown after clicking on Link Your Bank, then follow the prompts. Linking your bank speeds up the application review, so we'll be able to give you funding options faster.

Speed up the application review: upload PDF copies of the last 3 months of your business's bank statements.

When ready, submit your full application below.

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We're uploading your files, this will take a few seconds...

Almost there! We appreciate your patience.

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Thank you!

We will be in touch soon. You are one step closer to getting a great loan for your business. Give yourself a pat on the back! After that, check out some website resources below.

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We look forward to working with you and helping you Charge Your Business Forward™.

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Thank you!

You did it! Well, kinda. We are still missing bank statements, but we will give you call to get that sorted out. You can also email us your business's bank statements for the past 6 months below. Talk soon!

We look forward to working with you and helping you Charge Your Business Forward™.

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Take control of your working capital

Business line of credit of up to $250,000

Pay for what you use

No pre-payment penalties

*Example interest rate calculated from total repayments over 26 weeks. We are a direct lender, not a broker. Applying is free and will not affect your credit score.
Chrystina Morteo used her line of credit to open a new location.
Dr. Thy Nguyen uses his funds to invest in marketing campaigns.
Mike Marquez used his line to purchase safety equipment.

The right business financing solution for your business

The Idea Financial Line of Credit is the most flexible way to fund your business. With Idea Financial, your funds are available at any time straight from our online portal. You can withdraw funds to hire new staff, renovate property, purchase equipment and inventory, or simply take advantage of growth opportunities that come your way.

Pay for what you use from your credit limit

Get low payments with long repayment periods

Every draw you make restarts your repayment period

Why borrow with Idea Financial?

Getting a business loan in the form of a line of credit gives you control of your working capital so that you can Charge Your Business Forward™. Idea Financial’s small business Line of Credit is truly revolving, each payment replenishes the available draw amount, and every draw you make re-amortizes your outstanding balance over a long repayment term.

Borrow from $10,000 to $250,000

Rates from 5.5%* subject to UW process

Quick and simple application process

The right business financing solution for your business

The Idea Financial Line of Credit is the most flexible way to fund your business. With Idea Financial, your funds are available at any time straight from our online portal. You can withdraw funds to hire new staff, renovate property, purchase equipment and inventory, or simply take advantage of growth opportunities that come your way.

Pay for what you use from your credit limit

Get low payments with long repayment periods

Every draw you make restarts your repayment period

Minimum requirements

2 Years

Minimum Time in Business

650

Personal Credit Score

$15k

Business Monthly Revenue

Business

Not a Sole Proprietorship or Non-Profit Entity

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

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 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) 357-0425
It's risk free and doesn't affect your credit score

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

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

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Online lenders

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Credit cards

How do I apply for business financing?

Apply now

Start your application

Our 3 step application form takes less than 1 minute to complete.

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Get approved today

Subject to status, you will receive a same day decision.

Fund your business icon

Receive your credit

Funds should be accessible within 24 hours.

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) 357-0425
It's risk free and doesn't affect your credit score

Our customers think we are excellent!

Business advisor

Rafael

Business advisor

Dave

Business advisor

Julian

Business advisor

Milo

Business advisor

Kyle

Talk to Us – We're Here to Support You!

Our dedicated team of business advisors wants to see your business grow with the right financing options.

Business advisor

Rafael

Business advisor

Dave

Business advisor

Julian

Business advisor

Milo

Business advisor

Kyle

Grow your business with dedicated business advisors

Call us at

1 (855) 357-0425

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.

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.

How soon can I get a decision from Idea Financial?

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.

Will Idea Financial pull my personal credit report?

We will conduct a "soft pull" or "soft inquiry", which means that your credit score WILL NOT be affected.

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.

What if I don't need funds right away?

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.

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.

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Credit application terms

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.

Your privacy and security are important

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.

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