Apply for a business line of credit
Borrow from $10,000 to $250,000
Lending rates as low as 5.5%*
Instant application & decision
We look forward to working with you and helping you Charge Your Business Forward™.
Borrow from $10,000 to $250,000
Lending rates as low as 5.5%*
Instant application & decision
We look forward to working with you and helping you Charge Your Business Forward™.
Borrow from $10,000 to $250,000
Lending rates as low as 5.5%*
Instant application & decision
Our revolving line of credit is the most flexible way to fund your business. Your funds are available on demand from our online customer portal, meaning you can withdraw funds at any time.
Pay for what you use from your credit limit
Replenish available credit after every payment
Get low payments with repayment terms of up to 36 months
Borrow up to $275,000
There are 4 basic rules that we use to check if someone is eligible for a business loan from Idea financial. These help us understand your business as well as ensure you have the funds available to make repayments.
We are a direct business lender that specializes in small business loans for companies across the USA.
Our revolving line of credit is the most flexible way to fund your business. Your funds are available on demand from our online customer portal, meaning you can withdraw funds at any time.
Pay for what you use from your credit limit
Replenish available credit after every payment
Get low payments with repayment terms of up to 36 months
Borrow up to $275,000
Minimum Time in Business
Personal Credit Score
Business Monthly Revenue
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
Save time with our fast, cost-free application process.
We offer the best working capital solution for your business.
Withdraw the funds you need, when you need them.
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
No origination or annual fee
Doesn't affect your personal credit
Paperless application
Quick approval and funding
Build business credit
Dedicated business advisor
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Our 3 step application form takes less than 1 minute to complete.
Subject to status, you will receive a same day decision.
Funds should be accessible within 24 hours.
A business line of credit is a form of revolving financing that allows you to withdraw funds up to an agreed-upon credit limit and only pay interest on the amount drawn. It is revolving because you are able to withdraw funds, pay back a portion or all of those funds, and borrow more funds up to your credit limit.
Funds are available on-demand and take as little as a few minutes to reach your bank account.
For example, a line of credit for $100,000 could be extended to your company. You could take the full $100,000, or only take $5,000. You would then only be charged interest on the amount you took, so you could use your line of credit like a credit card.
Our dedicated team of business advisors wants to see your business grow with the right financing options.
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.
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.
