Become, formerly Lending Express (learn more)
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Highlight Overview

Loan Period

12/18 months

Loan Range

Up to $150K


  • Competitive rates
  • Flexible terms
  • Dedicated business advisor


  • Only for businesses 3+ years
  • Based on credit score
  • Limited products

Bottom Line

Idea Financial not only offers flexible business funding at competitive rates, but also provides business support and advice

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Full Review

Idea Financial provides flexible credit lines to SMBs in the US as well as Case Financing to attorneys.

What We Like Best

  • Pay only for funds used

  • Competitive rates 

  • Dedicated business advisor

  • Complimentary cash-flow monitoring

Loan Features

Type of Loan: Line of Credit

Amount: Up to $150K

Term: 12/18 months

Requirements for Credit Line

  • Business operating for 3+ years

  • Minimum $180K in gross annual revenue

  • Minimum FICO score: 650

Application Process

The application process is all online and is completely paperless and simple. You just need to fill in an online application, create an easy account and link your business banking account.

Safety & Security

Ideal Financial is secured by McAfee and provides full protection of all customer financial and personal data.

Bottom Line

Ideal Financial offers more flexibility than the standard term loan and greater financial control with its line of credit product.


Please note that all information provided in this review is accurate at the time of publication and is subject to change. The information contained in this review is provided for informational purposes only, should not be construed as legal advice on any subject matter and should not be relied upon as such. The reviewer accepts no responsibility for any consequences whatsoever arising from the use of such information.


Quick Facts About Idea Financial

Line of Credit
No origination fees

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