Idea Financial Recensioni 

Jacob is a true professional, his experience, knowledge and willingness to help his clients is second to none
Very grateful for his service and responsiveness

We have worked with Idea Financial for years and they have been extremely professional from day one. Their loan documentation is clear, their online portal is organized and up-to-the-minute and their underwriting team is solid. We have partnered with them to drive growth in our business and help fund expansion to great success. Sebastian Visbal is our executive client manager and he is world-class. Five stars out of five!

The experience was great with my sales advisor Joseph malabunga from A to Z he was very helpful thru the process explained everything very well and he returned calls very fast with no time I love the experience.

Jacob was excellent. Idea was there from start to finish.
Would highly recommend. Thank you Jacob & Idea Financial!

Very easy to work with! great company and joesph is awesome to work with!

Idea Financial is a game-changer in the world of borrowing for small to medium sized businesses. From the moment I engaged with their services, I was impressed by their professionalism, efficiency, and commitment to helping businesses thrive. Here's why I rate them and my account manager Milo Juste five stars:

Outstanding Professional Communication: Every step of the way all terms were clear and concise. There is no shady business or grey areas. If you need to speak to someone all you need to do is contact your account manager which in my case is Milo Juste who is extremely professional and does not pull any punches. If your busy running and growing your business like we are the last thing you need is the run-around from your lender. Milo keeps it real with us and is always available. There is no corporate red-tape or paper shuffling. It does not get any better.

Idea also provides a very easy to use dashboard where disbursements can be requested and it clearly shows the status of your loan, recent payments, your account mangers info and more. Everything you need at a glance. Their borrower dashboard was clearly created by a lender who "gets it" vs some rush job with missing info.

Swift Approval Process: Applying for financing can be daunting, but Idea Financial made it a breeze. Their application process was seamless and straightforward, with quick approval times that helped me secure the funds I needed in no time. I provided my documentation (FEIN, bank statements and my ID) and I was funded the same day. And it was a Friday.

Flexible Options: One size doesn't fit all when it comes to business financing, and Idea Financial understands that perfectly. They offered me a range of flexible options tailored to my specific needs, allowing me to choose the solution that best suited my business.

Impactful Results: Ultimately, Idea Financial delivered what we needed and agreed to and positively impacted my business. With their financing, I was able to expand operations, invest in crucial resources, and ultimately achieve my growth objectives.

In conclusion, I wholeheartedly recommend Idea Financial to any business owner in need of financing. Their commitment to excellence, coupled with their dedication to customer satisfaction, sets them apart as a premier lending institution. Thank you, Idea Financial, for being a reliable partner in my business journey.

We are a transportation contractor for our State Medicaid program. We have Idea Financial for emergency funds. We have a balance of $59,000 on a $129,000 credit line. The company that handles processing Medicaid payments suffered a software glitch that delayed our regularly scheduled payment by one week. This payment represents 91% of our operating revenue. Without Idea Financial, we would have to shut down until the Medicaid program fixed its error and issued payment.
We believed that if ever the government check was delayed for reasons beyond our control, our credit line from Idea Financial would keep us afloat until the Medicaid program caught up. It is essential we keep moving because most of our patients receive dialysis treatments.
When the error was discovered, it was Thanksgiving and Idea Financial was closed for the holidays. We contacted our vendors and assured them our credit line could keep the show going until the error was fixed. We requested $40,000 to pay for fuel and balance our account until our double Medicaid payment ($98,000) was received in 4 days.
Idea financial received my draw request on Friday. They rejected the draw request on Monday. I explained our dire situation and demonstrated to the Idea Financial agent our consistent weekly Medicaid payments every Thursday for the last 5 years. The agent then informed me he would take it to the higher ups and explain the situation. Finally late day Monday, Idea Financial explained that after further review, Idea had no interest in allowing us to withdraw funds from our credit line. They informed me that my draw request was denied because they will not fund a negative account. I pleaded for help, explained the situation, and even demonstrated that we could repay the amount in 4 days.
We have never missed a payment to Idea Financial.
As a result of our safety net not really being a safety net, we did in fact have to close.
The damage to our business is in the 10’s of thousands, not to mention the loss of revenue and damage to our reputation.
We are not about to close permanently. We have increased sales by 30% every year for the last 5 years. Dun & Bradstreet scores (Paydex 80, Overall Assessment Stable, Likelihood of Continued Operations, Low Potential for Late Payments) are good to excellent. My personal credit score is 759. WHY WOULD YOU NOT ASSIST US????
In 5 and ½ years in business, we have never closed once.
We have now increased our monthly payment to Idea Financial to conclude our relationship ASAP.
Our company needs partners that we can rely on, and in a terrible moment for 32 employees and 1600 customers, we failed them. We won’t make the same mistake twice.
Once they are paid in full, our Company will get a line of credit that is available for the worst case scenario.
I do not require a response from Idea Financial. You made your position clear, and I understand your explanation. I do not agree with it, I simply wish to help other small business owners avoid my mistake.

Thank You
*Update: As of 01/16/2024, our credit line with Idea Financial has been paid in full and the account closed per my request.

Staff was easy to work with, thye understood the technical issues with he

all involved followed through on promises

The financing was fast and easy. The biggest short-coming was the interest rate nearly doubled over what was advertised in their marketing piece. I'm not sure why they did not put more emphasis on our stellar D&B and Credit Scores.

Easy process!
Great conversation with the person responsible for the steps!
I do recommend this business!

Awesome experience from the very beginning working with 3 different different people, from the initial call to me, to the broker and last the lender. Upfront information and very patient with all questions and understanding the terms of the contract before we signed. Very happy with the transparency and professionalism.

Their customer service was very helpful! And the whole method was quick and got me some working cash for my business.

Joe want excellent. Diligent and thorough. Je understood our plan and executed it swiftly. Thank you Joe

Respectful and clear about what they could do. Great communication

I was nervous about connecting all my bank accounts. wondering if they'd take my money and run away. they seem legit. got my loc set up. all good.

Idea made things go smoothly and kept me in the loop through the entire process.