Business loans for women owned businesses

Idea Financial supports women owned small businesses with a line of credit of up to $250K

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

Working capital to grow your business

Bid & win on larger contracts

Bid & win on larger contracts

Expand your business, open new locations

Expand your business, open new locations

Hire new staff, make payroll

Hire new staff, make payroll

Invest in marketing & sales

Invest in marketing & sales

Purchase inventory and equipment

Purchase inventory and equipment

Idea Financial is proud to support women owned businesses. With credit limits of up to $250,000, you decide how to use these funds to grow your business. Whether it's hiring personnel, investing in marketing or buying equipment, the Idea Financial Line of Credit has your back. It is fast and flexible financing for your women owned business. No women owned business certification required.

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A financing solution that gives you flexibility

The Idea Financial Line of Credit is the most flexible way to fund your business. 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.

Draw funds at any time

Get low payments with long repayment periods

Every draw you make restarts your repayment period

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) 449-0318
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

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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) 449-0318
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.

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.

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.

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 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.

Can I take financing from the SBA while taking financing from Idea Financial?

Yes, we encourage our customers to take advantage of SBA loans.

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.

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.

Are there fees to keep my Idea Financial account?

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

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 soon will I receive funds from Idea Financial?

This depends on your choice of transfer method. 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.

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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.