The process is seamless and very quick! We have been customers for at least 7 years and it’s great to have an open business line of credit to access when needs arise! The agents are super friendly and... See more
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Review summary
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The process was easy to follow, the information was easy to provide and the follow up by Idea was fast. This is the second time I have accessed capital through Idea and both times the process was ver... See more
Idea Financial was a great company to work with when I needed some extra capital for my business. Alexa was so professional and accommodating and the company vetted and approved me very quickly. They... See more
We have been working with Idea Financial for five years Santiago and Ricardo have been helpful from start to finish. We are very pleased with them and highly recommend Idea Financial for their suppor... See more
Company details
About Idea Financial
Written by the company
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.
Contact info
800 NW 62ND Ave, Suite #750, 33126, Miami, United States
- 855-900-7838
- marketing@ideafinancial.com
- ideafinancial.com
4.5
Excellent
560 reviews
Replied to 50% of negative reviews
Typically replies within 24 hours
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Great Experience
Everyone i have dealt with has been very responsive and incredibly helpful!
26 May 2022
Easy and Fast!!
It was nice working with them and they made process easy as possible from approving to funding.
25 May 2022
Stress free process and very fast…
Stress free process and very fast funding. Would use this company again and highly recommend
19 May 2022
I am not a fan of the weekly pay back…
I am not a fan of the weekly pay back loan, I think it's aggressive. However, the Idea Financial Team did a wonderful job of explaining the process and the reason behind the loans structure. Newer business, needed to consolidate, the money was in my account in less than 2 days. Business is business. Thank you guys.
16 May 2022
This was the easiest credit line that I…
This was the easiest credit line that I have ever applied for in my life. The staff was great to work with and I had a decision and money in the bank in 7 days!!
6 May 2022
They charged an origination fee on a…
They charged an origination fee on a loan that was already existing. This amounted to a charge of more than 10% on the existing balance. This was not a new draw. I was on target to pay off the balance in 10 weeks at the agreed upon weekly payment. Had I known in advance I would have delayed re-applying for 10 weeks.
4 May 2022
Unprompted review
Reply from Idea Financial
Dear Jay: We apologize for your concern. Idea Financial agreed to renew your business' line of credit. The decision to renew was completely yours and you were under no pressure or obligation to renew. When you did renew the line of credit, you were charged a renewal fee, which gave you access to an extended period on your line of credit. This renewal fee was explicitly disclosed to you in writing prior to your decision to renew. In addition, when a loan is renewed, we provide our customers the option (and courtesy) to extend their payments so as to lower the current payment. This was done for you. However, when you expressed to our representative that you preferred to keep your current, higher payment, we immediately accommodated this request.
It is inaccurate to state that we charged you a 10% charge to renew. We charged a fee to extend your ability to draw for an entirely new draw period. You did not have to renew the line of credit and could have gone elsewhere, or simply continued on your current schedule of payments.
At Idea Financial, we strive to provide excellent, transparent customer service and after reviewing the calls between you and our representative, we did exactly what is expected.
Very happy with the process
Very happy with the process. Idea was able to provide the amount and terms we needed. The process was simple and we were able to get the funds fast.
3 May 2022
The whole process was…
The whole process was seamless...Christian, the officer that worked with me was on spot on from the beginning to the end.
30 April 2022
Very easy to do business with
Very easy to do business with. Highly recommend. Look forward to a long standing relationship.
28 April 2022
Highy, highly recommend them!
In the lending world, you run into a lot of fast talking, high pressure sales people, and you're just not sure if you should trust them with such sensitive information, but these guys did everything they said they would, made the process seamless and funding literally took only 24 hours. I highly, highly recommend them!
21 April 2022
Fast and professional
21 April 2022
It was a smooth and easy process.
20 April 2022
Great Service
They provided me with the funding to help me achieve the goals that I have for my business.
19 April 2022
Could have done better explaining terms
18 April 2022
Easy process and excellent rate !
This process was the easiest ever when it comes to quick approval and funding an LOC.
On top of that, the rate is the best I ever got in the world of quick borrowing.
I give them 5 stars.
16 April 2022
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