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Idea Financial empowers small businesses with flexible funding solutions tailored to your unique needs. Our two core offerings - business lines of credit and business term loans - provide the financial tools you need to thrive. With our line of credit, access funds as needed for managing cash flow, seizing opportunities, or covering unexpected expenses. For larger investments, our term loans offer lump sum funding to fuel significant growth initiatives.
We stand out through our fast, streamlined application process and personalized support from financial experts. Our innovative approach combines cutting-edge technology with a commitment to building lasting client relationships.
Experience the difference of working with a financial ally who truly understands and champions small businesses. Whether you're looking to expand, invest in equipment, or capitalize on new opportunities, Idea Financial provides the accessible, flexible funding you need to turn your vision into reality. Choose us and take your business to the next level with smart, tailored financing solutions.
Reviews 501
Martin Yost
Sep 02,2023Super fast friendly service, No problems A++
Joe Musacchio
Sep 01,2023constant communication
Leamon Thompson
Aug 25,2023There were no major hoops and a whole bunch of paperwork that had to be found and provided. Processing was quick.
Marc S
Aug 25,2023They just make it simple to deal with them!
larry resnick
Aug 24,2023follow up calls apprecited
Thinh Hang
Aug 19,2023The loan process was super quick and very easy. We had our money in our account with in a few days from beginning to closing paperwork. I would highly recommend using Idea Financials.
richard espicha
Aug 18,2023Only problem was with their boarding software
Sanjay Sharma
Aug 16,2023The professionalism of Lexingtoncapital and Idea folks.
Elle
Aug 07,2023Idea Financial has been so easy to deal with, and quick to answer all questions.
John Cucinotta
Jul 25,2023I am very disappointed in how the request for a simple payoff letter was handled! It took 5 days. 3 Other lenders got us what we needed in hours. Even our big bear bank got us a letter in 24 hours. In the end Ideal team was just holding off to talk to me to get more information from me directly that my authorized team was and would have gladly answered for them! Our rep was stubborn and hung his hat on “policy”which was clearly just a game to talk to a principal partner. The first question was why we were requesting the letter. Lol. He asked me 3 simple questions to verify my identity nothing more to process a simple letter on what we owe them, all of which my team could have easily done. Even after I spoke to him he didn’t deliver the letter immediately which seemed out of spite at that point because I refused to respond to his first question due to the nature of his dishonesty over why he needed to talk to me. We have worked with 3 or 4 lenders like Ideal over the years and have never met a team that was as solely focused on their needs vs keeping a very good customer happy. They made a fair amount of money from our business but struggled to see the additional opportunities that would have been there had they made this transition process easier. I will not use them ever again! It’s a shame really.
Juan Salas
Jul 21,2023Very untrustworthy. They asked us to pay down a different loan to approve us, which we did. The day after signing the agreement, they closed our account. Their reason was a credit line we got while we were looking for credit and before their approval but had no balance. We only agreed to discuss additional funding because Idea offered a higher limit and lower cost. That other credit line had requested we made a minimum draw to open it, which we repaid fully the week after. This happened three weeks before signing with Idea. Now after closing our account, Idea requested we fully close our account with this company to "see" if they get us reapproved, but with no guarantees. No need to say, at this point, we cannot trust them enough to do that. We had already paid down a loan at their request to give us their first approval. We cannot keep hurting our credit for them just to play around. DO NOT TRUST IDEA FINANCIAL. They don't stand by their signed agreements or their word. Take your business elsewhere. EDIT: The reply of Idea Financial, saying that we opened an account after getting approved, is an outright lie, and I have the documentation to prove it. This reinforces my argument: DO NOT TRUST IDEA FINANCIAL.
James Warren
Jul 12,2023It worked well. I was surprised at how fast it worked,
Reginald Mark Oates
Jul 07,2023Great service! Jim Picanso returned calls quickly. He made the process very easy.
George Fisher
Jul 03,2023Taking the time to help understand the process. Talking to someone who does not rush you.
Susannah Haley
Jun 30,2023Simple, fast, and very professional. Zero complaints about how the process works. They have it down to a science.
Dyna Jones
Jun 27,2023Very helpful
Mary Ann Strand
Jun 23,2023Quick, easy and very professional. Also explain things thoroughly!
Dr Mark
Jun 13,2023it was easy to get an LOC you didn't have to jump thru hoops. but I wish I could pay a monthly payment by check I do not like ACH. BECAUSE I LIKE TO BE IN CONTROL OF MY BANK ACCOUNT
Peter Ottowitz
Jun 07,2023Adam is knowledgeable, candid, professional, and prompt with follow up questions. Great customer service. Likewise for team members: Sam and Rafael
800 NW 62ND Ave, Suite #750, 33126, Miami, US
https://www.ideafinancial.com/
Stephanie Riggs
Sep 12,2023Quick and easy. No hassle and up front about fees and interest rates unlike other companies who alot of times do not disclose all information upfront. Will definitely deal with them again in the future.