Funding Specialist

Funding Specialist | Miami, FL | Full-time (On-Site) Uncapped Commissions, Career Growth, Full Benefits

Idea Financial is looking for a Sr. or Jr. Funding Specialist to join our high-performing Direct sales team. This is a customer facing role for someone who has spent meaningful time on the broker, sales or funder side of small business lending and knows how to manage a portfolio of merchants: d riving activation, production, and retention  will report to the Head of Sales and work alongside other brokers to prospect, fund and retain our rapidly growing client list.

This is a high-visibility, high-impact role. Success is measured by your ability to drive funded volume, grow merchant engagement across the book you own, and consistently deliver against monthly sales goals.

About Us:

At Idea Financial, we’re passionate about helping small businesses thrive. Based in Miami’s booming Waterford Business District, we’re a direct lender that has provided over $1 billion in financing to business owners nationwide, and it's all done through both our internal sales teams and our direct broker teams.

These sales come with big commissions, and we've paid millions of dollars in revenue share to our team.

By meeting your attainable goals, you can expect to earn well into six figures. You'll also have prime health insurance, matching 401k, and a fast-paced, rewarding work environment. Our mission is simple: empower entrepreneurs with fast, flexible funding solutions so they can grow with confidence.

• Manage a portfolio of merchants; drive activation, retention, and renewals.
• Represent Idea Financial professionally in every merchant interaction to deepen engagement, productivity, and profitability.
• Educate applicants on our products, Line of Credit and Term Loan, including credit & submission requirements, and what our value proposition and key differentiators are from other lenders.
• Work cross-functionally with partner underwriting teams to move deals quickly from submission to funding.
• Position & pitch offers to merchants when needed and troubleshoot stips in real time.
• Strategize and consult with merchants to ensure a best-in-class service experience that makes Idea Financial their lender of choice.
• Utilize Salesforce to manage your pipeline, log activity, and forecast accurately.
• Deliver consistent, timely responses across your book and set the standard for borrower communications
• Provide feedback to leadership on merchant needs, competitive intel, and product or process improvements.

• A minimum of 2 years of industry experience in small business lending, commercial finance, or alternative lending.
• Prior experience in a broker or funder setting where you were responsible for managing a portfolio of merchants or broker partners, driving consistent submissions and growing funded volume across the book.
• Demonstrated ability to handle the demands of a high-volume applicant channel; juggling numerous active deals, prioritizing effectively, and keeping engagement high across the portfolio.
• Strong working knowledge of credit, bank statement analysis, and the typical stips and underwriting questions that come up on small business deals.
• Proven track record of hitting and exceeding sales goals in a commission-driven environment.
• A well-developed network of merchant contacts in the industry is a plus, strong relationships help you hit the ground running.
• Honest, self-motivated, competitive, high-energy, and a team player.
• An efficient relationship builder who thrives on engagement and driving results.
• Strong organizational and time management skills; you can run a book without things falling throu9gh the cracks.
• Salesforce experience is a plus.

• Uncapped commissions and unlimited earning potential.
• Highly visible, revenue-generating role where your impact on the business is clear.
• Real growth potential; we promote from within and reward people who raise the bar.
• A collaborative, supportive, fast-paced environment with a culture built on reward and recognition.
• A fun, friendly, and talented team passionate about fintech and helping small businesses succeed.
• Generous benefits include matching 401(k), medical, dental, vision, flexible PTO, and work-life balance.

Job Status: Full-time, office-based in Miami, FL

Reports to: Head of Direct Sales

Schedule: Monday-Friday, 9:00 AM - 6:00 PM EST

Compensation: Competitive base + uncapped commissions + full benefits

Benefits: 401(k) with matching, medical, dental, vision, life insurance, HSA/FSA, employee assistance program, paid time off, referral program

Idea Financial is an equal opportunity employer. At Idea Financial, we make all employment decisions without regard to sex, sexual orientation, gender identity, race, color, religion, age, national origin, pregnancy, citizenship, disability, service in the uniformed services, or any other classification protected by federal, state, or local law.