This is a Labs feature. It is visible to every account and off by default. Turn it on under Settings → Labs, or ask your agency admin to turn it on for you.
What changes when the card is on
Open a client, choose Generate Offers, and fill in the application as you always have. A new Send To choice appears under Submission Method:- Offer marketplace — today’s flow. Personal term-loan offers come back and you share them with your client.
- Idea Financial — files a business funding application with Idea Financial. Idea reviews it for a term loan and a line of credit; there is no way to ask for only one. Nothing is sent to the marketplace.
Business details
Choosing Idea Financial adds a Business details section under Send To. It shows the business name, EIN, structure, start date, monthly revenue, and business address from the client’s CRM record, so you can check them and fill in what is missing without leaving the dialog. Your changes are saved back to the CRM record when you submit or send the link. If the account does not have one of these fields yet (for example Business Structure or Business City), the app adds it to the account’s CRM custom fields the first time you save a value in it. You do not need to add these fields to a snapshot first.Fill it live or send it to the client
Both submission methods work with Idea Financial:- Submit now — you complete the owner details with the client and submit. The dialog is titled Submit to Idea Financial so it is clear where the application goes.
- Send to client to complete — complete the Business details first: the client’s form asks for their own details, not the business’s. The client receives an email or text with a pre-filled link. The link opens a business term-loan version of the application: the client reviews their details, adds their SSN, agrees to share the application and the bank statements on file with Idea Financial, chooses whether to consent to automated calls or texts, and submits. Communication consent is optional and the submission records the client’s actual choice. They see a confirmation with the Idea application number instead of marketplace offers.
From the Revenue Based workflow
On a Revenue Based file, the Submit to Partner step shows an Idea Financial section while the Labs card is on. Submit to Idea Financial opens the same dialog already set to Idea Financial. This is in addition to the lending partner the step recommends: it does not change the partner routing, and the step still completes the way it always has, by confirming the deal package went to the partner.What Idea Financial needs
Idea Financial underwrites the business and its owners. Have these ready before you submit:- Business: Business Name, 9-digit EIN, Business Structure, a Business Start Date (or a Time in Business already on the CRM record), and a physical Business Address. The Business details section marks what is missing before you submit. Business Structure can be LLC, Corporation, Sole Proprietorship, General Partnership, Limited Partnership, or Nonprofit. A Business Start Date gives Idea the exact time in business; a range such as “6 months - 2 years” is sent as under a year so it is never overstated. Average Monthly Revenue is sent when it is a dollar amount.
- Owner: name, email, phone, date of birth, SSN, home address, and the requested amount from the form. Idea Financial requires every owner with more than 20% ownership. This form sends one owner; it does not collect additional owners yet, so expect Idea Financial to need their details before pricing a business with more than one owner above 20%.
- Documents in the client’s CRM record: a separate, verified signed application and the business’s bank statements for the last three months. The app sends the newest statements on file, up to four. A bank statement is never used in place of the signed application.
- The client’s most recent credit score, when a report is on file.
After you submit
Submitting to Idea Financial from the contact page marks the contact as a client: a Clients pipeline opportunity is created at Agreement Signed even though no funding agreement has been signed. Every other path to Clients still requires the signed agreement. If the opportunity could not be created, the page tells you and you can move the stage by hand. An application the client finishes from the link does not move the stage yet. The link works once. After Idea Financial receives an application for the contact, from the link or from the contact page, opening the link again shows the client that the application was already sent and nothing new is created. If a submit failed before anything reached Idea Financial, the same link still works, so the client can retry after you fix the file. A submit that stalls before anything is sent to Idea Financial stops blocking the link after 15 minutes. A request that could not reach Idea Financial at all (for example a network failure on our side) releases the link right away. If a request did go to Idea Financial but no result came back, the link stays used: check the application with Idea Financial, then submit from the contact page if needed. The client page shows Application sent to Idea Financial with the Idea application number and Idea’s current status for the file in the Funding tab, whether you submitted it or the client did from the link. If a submit failed after Idea Financial had already opened the application, the page shows a warning with the application number instead, so you do not send a second one; the Funding tab shows what failed. The status refreshes on its own: once right after the submit, then about every 15 minutes for up to 30 days. The banner says Checked about every 15 minutes while that schedule is running, and shows when the status was last updated. The Generate Offers button stays available if you also want marketplace offers for the same client, and other lenders are never locked by an Idea Financial submit.- Check now — asks Idea Financial for the current status immediately instead of waiting for the next scheduled check. The banner shows Checking with Idea Financial… while the check runs. This does not change the schedule.
- Processing — Idea Financial is working the file.
- Offers ready — Idea has priced the file. The banner shows how many offers came back and, for each product, the largest amount — for example Line of credit up to 120,000. Open at Idea Financial opens Idea’s offer page in a new tab. Review and accept offers there with your client; accepting an offer is not done in this app.
- Funded, Closed, Declined, Not interested, Abandoned — final states. Idea’s reason, when they give one, is shown in the banner. Once a loan exists the banner also shows Idea’s loan number and the disbursed (or drawn) amount. Scheduled checks stop here; Check now still works.
- Everything else Idea reports — Draft, Submission incomplete, Conditional offer, Closing, Contract ready, Contract out, Open, Dormant, and so on — is shown as Idea names it, and the scheduled checks keep running.
If something goes wrong
The Submit dialog shows the reason in place. The message tells you which step failed and, when Idea Financial rejected a field, what they said about it.- “Idea Financial is not turned on for this account” — turn on the Labs card and try again.
- “Idea Financial is not set up for this account yet” — the connection has not been configured. Turn the Labs card off to keep generating marketplace offers and contact support.
- “Idea Financial needs the following…” — add the listed details in Business details or on the client’s CRM record and resubmit.
- “Could not save the business details to the CRM record” or “Could not add the … field to this CRM account” — nothing was sent to Idea Financial. Try again; if it keeps failing, add the field to the account’s CRM custom fields and resubmit.
- “Idea Financial requires at least one bank statement…” — upload the statements to the client’s CRM record and resubmit.
- “Idea Financial requires a verified signed application…” — upload the signed PDF to the client’s CRM record as Signed Application, choose Verify Signed Application, confirm the signed date, and resubmit. This verification does not classify the lender application as a funding agreement. Rejecting the document revokes its verification; review it and use Verify Signed Application again before resubmitting.
- “Could not reach Idea Financial” after Check now — the scheduled check will try again on its own.
Idea Financial is for business funding. Cards and personal lending stay on their existing paths and are never sent to Idea Financial.