Idea Financial Avis 

Companies like Idea financial are what is wrong with our American economy.

I am going give a very honest detailed review of my experience doing business with Idea financial. I have been in business since 2017 and my business has grown rapidly and our revenue just passed $6.5m in the last 12 months. I started with Idea in 2022 and in that time I have had 4 different lines of credit that would get renewed after we had paid them off. I never missed one payment since I did business with them and they have multiple times cut my line. One time specifically my line was approved for the full amount they offer of $275k and then when I went to draw they reduced the amount down to $100k and this was during a very difficult time when President Trumps tariffs went into effect.
This made things extremely difficult considering we have 30 people on payroll as well as having very large POs. It is very clear to me that Idea Financial is in business for themselves and don't care for the businesses that depend on them for capital.

Also this is another piece of information I want to put out is that they position themselves a great company and act as if they are lending money at fair rates, however my last line was at a 0.0884 factor rate on an 18 month term. If you calculate that it comes to a 1.5912 factor rate over the life of the loan.
This is usury and should be illegal.

If you are looking for a lender that helps you, not hurt you then you should look else where. Considering I have done business with Idea Financial for 3 years and have taken multiple loans from them I would say I have a say in this matter.

I do not recommend Idea Financial

A great experience, with lots of helpful online and phone support!

Idea was able to help me within 2 days. Ethan went above and beyond to find a solution for me. Very easy company to deal with and will continue to in the future.

The whole crew at idea was professional as always and it’s a real pleasure to work with them. I’ve been with them for 5 plus years and it’s always been an easy business relationship.

Easy to do business with Santiago Mata and his support staff are good people.

Perfect, timely, right to the point. Best regards!
Special thanks to Santiago Mata.

Great experience with Austin!! quick turnaround and great attitude !

Idea gave us a line of credit when we first started and they've continued to renew and meet our expectations. Thank you for supporting our business when we needed it most!

When I needed a small business loan, it was incredibly difficult to get anyone to take me seriously or even respond. As a female- and veteran-owned business, I often felt overlooked. I was expanding my office and needed funds for the buildout — but the few offers I received were for loan amounts that were way too small to actually help.

That’s when I found IDEA Financial. They were absolutely amazing to work with from start to finish. They took the time to listen, guided me through every step of the process, and got me funded in about a week. Thanks to them, I was able to complete my buildout and move into my new office on time. Honestly, I don't know what I would have done without them.

Today, I still have a line of credit with IDEA Financial (although I’ve paid off my initial loan), and I’m so grateful for the relationship we’ve built. It's a huge relief knowing that if I ever need support again, they’ll be there to help. Highly recommend!

Great company to work with! Their people are smart, competent, and they respond very quickly to questions or concerns. Our line of credit deal completed quickly and without any hassles.

Ethan Labi- great communication and keeping me in the loop through out the process. Highly recommend

I would use Sebastian and his team for any of our needs and will continue to do so. The expediency and professionalism was unmatched.

Easy to work with, Mark M was very helpful.

Enrique Pereira has been very good to deal with The process is made very clear and what is needed and when and when i ask for a draw if i have any questions he is on top of it. I have very good response times as well

I had a great experience working with Ken at Idea Financial who helped me with every step of the process. Excellent availability as I never had to wait on the phone and he never left the call until I was done. So glad I switched to this lender as my previous one was not as communicative or supportive.

Fantastic experience working with Andre and the team at Idea Financial. They understand our needs and have helped our business to grow. The user interface and reporting are extremely user friendly.

Great customer service! Always available for questions

Excellent company
Always fulfills any orders and requests by our company on a timely basis