Working capital loans for your business

Loans up to $275,000

Fast application process

Quick approval and funding

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.
Business term loan dashboard


Our office will be closed from 2:00 PM Friday, December 22 through Tuesday, December 26 to celebrate the holidays.

Low APR business financing

Get a working capital loan or business line of credit and help your business expand today.

Take control of your working capital

Expand your business, open new locations

Purchase equipment and inventory

Simplify your financing with Idea Financial

Idea Financial provides term loans to businesses across the USA. Our flexible financing solutions can help streamline your cashflow while making your business more agile in an ever-changing world. Apply today to see what Idea Financial can do for your company.

No fees or hidden costs

Approval and funding in just 1 day

Borrow up to $275,000

Dedicated business advisors available

What is a working capital loan?

A working capital loan is a type of financing designed to help support the running costs of a company. This could include smoothing cash flow, providing liquidity, paying rent or making payroll. Our working capital loans can be used for most business expenses. 

Our goal is to get you your money quickly and give you the flexibility to spend the money where you need it.

If you have any specific questions about our loan products, please contact our dedicated business advisors. They can help you with our services and provide insight into the loan process.

How do I apply?

You can start your application by clicking on the green apply now button in the upper right-hand corner of the screen. This will take you to our application form.

The first section of the form is about business information. We need to know things like your company name, business address and the type of business you run. This is all to help us learn more about the company we are loaning to, as well as aiding us with our due diligence. 

Section two is called owner information. As the name implies it is all about you. We collect some basic information to get to know you better and understand who we are loaning money to.

The last section is the financial review where we ask you some simple questions about money. This helps us understand your financial situation and gives us an idea of the risk involved in issuing a loan.

Am I eligible?

At Idea Financial we are dedicated to making loans available to the largest number of businesses possible. As such, we have very simple eligibility requirements. If you pass the 4 tests outlined below, we can consider you for financing.
You must have been in business for at least 2 years. This shows us your company is stable and able to sustain itself. It also means you have enough financial data for our next requirement. 

Your business must generate at least $15,000 in monthly revenue. This helps show that you can afford regular loan payments. It also indicates that you are able to sustain a stable revenue stream. 

You must have a credit score of at least 650. This helps us assess your personal ability to repay any loan.

Your business must not be a sole proprietorship or non-profit.

What can I use the loan for?

Working capital loans from Idea Financial can be used for most business expenses. This includes buying product, opening new facilities and investing in equipment. The loans can also be used to manage cash flow. 

By offering the most flexible loans possible, we are able to help businesses get what they need without lots of red tape and long wait times. If you have specific questions about how you can spend your financing, please contact our business advisors. They can help you understand the benefits and limits of our loans.

How long will it take to get my funds?

Once you have finished the quick online application it is sent directly to our experts. If they do not have any questions about your application we can usually give approval and funding for our loans in one day. 

If there are any issues with the application we will get back to you quickly to get them resolved. We understand that business owners are busy people and no one likes paperwork, so we will do our best to make everything as quick and easy as possible. If you have questions about an application you have already submitted, please get in touch using the details on our contact page.

Can I get more than one loan?

We allow our customers to take more than one loan at a time. Before you can be approved for a second loan you must have paid off at least 50% of your first one. If you have done this you can apply for more financing using our application form. If you have more questions about applying for a second loan, please contact one of our dedicated business advisors.

Apply for a commercial line of credit or business loan now

Apply in minutes

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

Get approved

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

Fund your business

Withdraw the funds you need, when you need them.

Apply online or call us at: (855) 900-7838

Applying is free and will not affect your credit score

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

Our customers think we are excellent!

Business advisor


Business advisor


Business advisor


Grow your business with dedicated business advisors

Call us at (855) 900-7838

Applying is free and will not
affect your credit score