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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Excellent service
The customer reps were very knowledgeable very patient very respectful and the service are excellent.
2 September 2022
Already gave my written review for…
Already gave my written review for Natasha Enrique on the previous page. She was great and made our experience great!!
26 August 2022
Everyone was great
Everyone was great ! From start to finish they we’re there to answer all our questions. Process was quick and easy .
Thank you .
8 August 2022
This was an easy transaction.
3 August 2022
Much Appreciated
Clear, Quick and Friendly.
A pleasant experience ending at n a great loan. Much appreciated
27 July 2022
I am grateful for how easy Idea…
I am grateful for how easy Idea Financial made it for me to open up my line of credit to support me to grow my business. I look forward to this partnership.
22 July 2022
The Idea Team is awesome
The Idea Team is awesome! Special thanks to Chris and Rafael for being there every step of the way.
2 July 2022
CREDIT LINE DRAW REJECTED WHEN NEEDED
We applied for a credit line to finance a remodeling project for our restaurant. We needed to finance not only the construction but the operational costs as we would be closed for a few months. The day we tried to draw down the credit line it was refused due to "loss of revenue". Well that's what happens when you close your business for a remodeling project! Now we have to scramble to find another credit line to continue the project. Its almost as if they expect you to borrow when you don't need it yet refuse to lend when you do need it. Not cool at all and defeats the whole purpose of a credit line. DO NOT EVER WORK WITH THESE PEOPLE!!!
30 June 2022
Unprompted review
Reply from Idea Financial
While we always strive to provide excellent customer service, we also must adhere to credit criteria. When you applied for, and were approved for, the line of credit, you had an operating restaurant with consistent revenue. We underwrote the loan based upon the revenue at that time. When you returned recently for a draw, the restaurant was closed and, as a result, the revenue had dropped significantly. It was expected that teh revenue would go to $0 in the near term. We are unable to provide funds for businesses that have no revenue and are closed. While we understand your frustration, it was important that the information provided is accurate. We wish you the best as your restaurant undergoes construction.
The whole IDEA for a line of credit is…
The whole IDEA for a line of credit is to protect for overdraft. Not penalized them.
29 June 2022
Reply from Idea Financial
Idea Financial never seeks to penalize our clients. When we underwrote the draw request, your bank account was overdrawn, had a negative balance and the business was otherwise unable to service the debt. Our credit rules do not permit Idea Financial to finance a business that has recently bounced payments to vendors or lenders and maintains negative bank balances.
The team at Idea is 5 star
29 June 2022
I call for a quote for life insurance…
I call for a quote for life insurance and they help me find the best plan to use, thank you for the quality service
25 June 2022
Unprompted review
Quick and Professional
I was referred to Julien and the Idea Financial team and within 24 hrs I had the capital and line of credit funded to upgrade and enhance my coffee and wine bar. Highly recommend
9 June 2022
Great experience
Great experience. Fast, informative, and excellent customer service. I will definitely do business in the near future with Ideal Financial.
8 June 2022
Excellent services
Excellent services. Overall. Looking forward to a. Long. And good reliable service. Thanks.
7 June 2022
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