Fast and flexible financing to charge your business forward

Get a business loan or line of credit up to $275,000 with our quick application and approval process.

Applying will not affect your credit score.

Business owners continue to see access to working capital and business loans as the main obstacle for growth. Banks are slow, and rigid, they often ask for long applications and collateral. Alternative lenders often charge high interest and fees. We believe you deserve greater financial flexibility, control, and support, so we built fast and flexible financing solutions to Charge Your Business Forward™.

Solutions for business growth

Product features

Business Line of Credit

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™. You can withdraw funds at any time to avoid missing out on any growth opportunity that comes your way.

Pay for what you use from your credit limit

Replenish available credit after every payment

Get low payments with longer repayment terms

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Product features

Business Term Loan

A quick business loan with a fixed rate and repayment term, designed to make your company grow. We provide you with multiple business term loan options and you decide which terms and rates work for you and your business.

Get access to cash fast

Save on interest at time of full pre-payment

Eligible for new terms once the loan is 50% paid

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Quick application and approval

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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.

Applying will not affect your credit score.

APPLY NOW

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

Don’t just take our word for it

See what some of our amazing customers have to say.

Grow your business with dedicated business advisors

Call us today at 1 (855) 900-7838.

Manage business finances on the go

Enjoy the flexibility of accessing your account from anywhere, at any time. Visit a store below from your mobile device and download the Idea Financial app.

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Charge Your Business Forward^TM

Idea Financial™ is a registered trademark of Idea 247 Inc. All Idea Financial business credit lines are issued by Idea Financial. All products are subject to Idea Financial’s final approval. You may qualify for a credit limit of up to $275,000. Your actual credit limit may vary. Terms and conditions will be provided to applicants during the application process. Terms and conditions are subject to periodic review and changes, including credit limits and pricing reductions, credit limit and pricing increases, or account closures.