Company overview
HQ · Miami, FL
Term loanLine of credit
Idea Financial is a non‑bank small‑business lender offering business lines of credit and term loans up to $350,000 with rapid, same‑day approval. Headquartered in Miami, Florida and founded in 2017, it serves businesses across the United States and emphasizes speed, flexibility, and an active ISO partner program.
Company focus
- Headquarters
- Miami, FL
- Founded
- 2017
- Employees
- 51-200
- Industries
- retail, food_service, manufacturing, trucking, construction
- Excluded industries
- administrative_services, attorneys, auto_sales, brokerages, financial_services, firearms, gambling, government_agencies, media_publishing, mining, online_auctions, religious_organizations, telephone_carriers, travel_and_transportation
- Specialties
- same-day approvals, revolving lines of credit and term loans up to $350k, mobile app account access, early payoff discount on term loans, mid‑prime underwriting focus
Reported eligibility
- Reported score (scale not specified)
- 65
- Monthly revenue from
- $15,000
- Time in business (months)
- 24
- Maximum positions
- 0
Funding & terms
- Funding from
- $5,000
- Funding up to
- $350,000
Third-party reputation
- Reported research
- BBB A+ rating; Trustpilot 4.5/5 with ~560 reviews; generally positive reputation; 2023 data‑breach settlement noted.
- Reading this research
- Third-party ratings are historical research, not a Plutus merchant rating. Legal and cost statements are attributed reports, not findings by Plutus; confirm the original sources and current terms.