Comparison
The real cost of capital. Compared.
Not all funding channels are equal. Here is how ICG Funding stacks up against traditional banks and lead-gen marketplaces on the metrics that matter.
Side by side
Three channels. One honest table.
The same funding need, sent through three different doors. Read the numbers, then read the row about who keeps your data.
Our approach
ICG Funding
Approval Rate
~80%
Min Credit Score
500
Time to Fund
24 hours
Application Time
A few minutes
Data sold to marketers
No
Broker Cost to You
None
Personal Guarantee
Sometimes (product dependent)
Collateral Required
Rarely (except equipment)
Dedicated Specialist
Yes — assigned at application
Revenue-Based Underwriting
Yes — primary criteria
Credit-first underwriting
Traditional Banks
Approval Rate
~25–30%
Min Credit Score
680+
Time to Fund
60–90 days
Application Time
2–4 hours
Data sold to marketers
No
Broker Cost to You
None
Personal Guarantee
Almost always
Collateral Required
Usually
Dedicated Specialist
Sometimes
Revenue-Based Underwriting
No — credit-score-first
Resold to a panel
Lead-Gen Marketplaces
Approval Rate
Varies by match
Min Credit Score
550+ (varies)
Time to Fund
2–7 days (if matched)
Application Time
5–15 minutes
Data sold to marketers
Often — across a lead-gen network
Broker Cost to You
Up to 10% of loan amount
Personal Guarantee
Depends on matched lender
Collateral Required
Depends on matched lender
Dedicated Specialist
No — rotating contacts
Revenue-Based Underwriting
Depends on matched lender
| Criterion | ICG Funding | Traditional Banks | Lead-Gen Marketplaces |
|---|---|---|---|
| Approval Rate | ~80% | ~25–30% | Varies by match |
| Min Credit Score | 500 | 680+ | 550+ (varies) |
| Time to Fund | 24 hours | 60–90 days | 2–7 days (if matched) |
| Application Time | A few minutes | 2–4 hours | 5–15 minutes |
| Data sold to marketers | No | No | Often — across a lead-gen network |
| Broker Cost to You | None | None | Up to 10% of loan amount |
| Personal Guarantee | Sometimes (product dependent) | Almost always | Depends on matched lender |
| Collateral Required | Rarely (except equipment) | Usually | Depends on matched lender |
| Dedicated Specialist | Yes — assigned at application | Sometimes | No — rotating contacts |
| Revenue-Based Underwriting | Yes — primary criteria | No — credit-score-first | Depends on matched lender |
Why this matters
The marketplace data-selling problem. One application should stay with one team.
Online lending marketplaces, the sites that promise to match you with lenders, do not actually lend money. They collect your application, your bank statements, your tax ID, and your personal information, then sell that data to a network of brokers and lenders. Each one contacts you. Each one runs a credit check. Each one quotes a different rate.
You applied once. You are now being sold to dozens of times. That is the business model.
ICG works differently. One application. One dedicated specialist. One clean data trail. Your application stays with one ICG team, and your contact information is not sold to third-party marketers or spun into a lead-gen list. When you call ICG, you reach the person working on your file.
Next step
Ready to get funded? No data sold. No noise.
See your funding options in minutes. One application, one specialist, a real decision in 24 hours.