Calculator
Eligibility Estimator See what you qualify for.
Answer four questions (monthly revenue, time in business, personal FICO, and industry) to see an indicative funding amount and the ICG products you likely qualify for. All math runs in your browser; nothing is submitted until you click through to apply.
Step 1 of 4
What's your average monthly revenue?
Total monthly business deposits — not profit. You don't need to be exact.
How the tiering works
ICG sorts applicants into three tiers based on the three underwriting inputs every funder looks at first. The tier drives both the indicative amount and the product mix shown in your result.
- Baseline · 500 FICO, 6 months in business, $15K monthly revenue. Opens up revenue-based funding, business cash advance, and factoring. Indicative amount is 3–5× monthly revenue, capped at $150K.
- Mid · 550 FICO, 6 months in business, $20K monthly revenue. Adds term loans, lines of credit, and equipment financing. Indicative amount is 4–7× monthly revenue, capped at $350K.
- Premium · 650 FICO, 24 months in business, $30K monthly revenue. Adds SBA paths. Indicative amount is 6–10× monthly revenue, capped at $500K, with a tenure bonus for 36+ months in business.
Indicative amount formula
amount = min(cap, multiple × monthlyRevenue)
The multiple moves within the tier band based on how far above the tier floor your inputs sit. Time in business above 36 months nudges the multiple up by roughly 10%.
This estimator is an indicative tool only. Final offers depend on bank statements, the debt schedule on file, and lender-specific underwriting rules. In compliance with ECOA, ICG does not use race, national origin, or gender in qualification decisions.
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