Small business funding
when banks say no.
Get up to $500K in 24 hours. No impact on your credit score to check eligibility.
What do you need funding for?
How much do you need?
Your revenue qualifies you. Not your credit score.
If you do over $15K/month in revenue, you’re probably pre-qualified. Approval decision in under 24 hours.
- No credit impact to check
- 500+ FICO accepted
- Funding in 24hr
Small business funding when banks say no.
Up to $500K in 24 hours. No credit impact to check.
By the numbers
Built on a track record, not promises.
Pick your use
What do you need capital for?
Pick the closest match. We route you to the right financing option and skip the question on the application.
Am I eligible?
If these four things are true, you probably qualify.
6+ months
Time in business
$15K+
Monthly revenue
500+ FICO
Personal credit
Required for deposit
Business bank account
The new playbook
Old underwriting was built for banks. We rebuilt it for you.
The slow, paperwork-first way.
- 6–8 weeks of underwriting
- 650+ FICO required
- Tax returns, P&L, balance sheet
- Personal guarantee, collateral
- Often declined, no explanation
Revenue-qualified. Decision in 24 hours.
- Decision in under 24 hours
- 500+ FICO accepted
- 6 months of bank statements
Sample underwriting decision in progress.
The process
From application to your account in 24 hours.
No rotating call centers. No gated paperwork. Three steps between you and working capital.
Apply Online
Answer a few quick questions and upload 4 months of bank statements. That's it.
- No credit pull
- No tax returns
- No obligation
Review Your Offer
A specialist reviews and contacts you the same day with transparent terms.
- Transparent rates
- Total cost upfront
- Direct specialist
Get Funded
Accept your offer and capital is wired directly to your business account.
- Same-day deposit
- Direct to your account
- Post-funding support
Funding products
10+ products, one application.
Apply once and we route you to the product that fits your business. No second application required.
Revenue-Based Funding
Month 12: $66K. Trailing 3-month average $61.7K. Indicative offer up to $89K.
- Revenue-qualified, not FICO-gated
- 500+ FICO accepted
- Funded in 24 hours
Industries · 13 verticals
Built for the operators we fund every day.
From corner restaurants to multi-location HVAC operators. We underwrite to revenue, not category.
View all industriesCommon questions
Answers, before you ask.
ICG accepts personal credit scores as low as 500. We underwrite primarily on business revenue, not your credit file — so a low score does not rule you out if your revenue is consistent.
Most funding is deposited within 24 hours of accepting your offer. Same-day funding is available for applications approved before 11 AM ET. SBA loans take 30–90 days due to federal requirements.
No. The initial application uses a soft credit inquiry only. A hard pull may occur only after you review and accept a specific funding offer.
For most products: 4 months of business bank statements and a valid government-issued ID. SBA loans require additional documentation including tax returns and financial statements.
Funding ranges from $10,000 to $5,000,000 depending on product and qualifications. Revenue-based funding is typically 50–150% of monthly revenue; SBA loans and term loans go higher for qualified borrowers.
Revenue-based funding uses fixed daily or weekly automatic debits. Term loans use fixed monthly payments. Lines of credit require minimum monthly payments on your drawn balance. All terms are disclosed in your offer before you accept.
Memorandum · From the underwriting desk
What credit score do I need?
ICG accepts personal credit scores as low as 500. We underwrite primarily on business revenue, not your credit file — so a low score does not rule you out if your revenue is consistent.
Your business isn’t waiting. Neither should your capital.
Financing up to $1.5M with no hard credit pulls within 24 hours.
Average time to first offer: 3 hours