Comparison · vs Biz2Credit
ICG Funding vs Biz2Credit. An honest read.
Full-menu lender with strong SBA and commercial real-estate practice, overlap on SBA is meaningful.
Choose ICG over Biz2Credit when your fico is below 575, you need 24-hour funding, or you want a single specialist from application to close. Choose Biz2Credit when you're pursuing a $5m+ commercial real-estate purchase or a complex sba acquisition structure and you qualify at 650+ fico.
Updated 2026-04-26
Side by side
The numbers, without the spin.
Revenue-qualified. Decision in 24 hours.
Minimum FICO
500
Time in business
6 months
Minimum revenue
$15K/month
Funding speed
24 hours
Products
Revenue-based, term, line, factoring, equipment, SBA, BCA, bridge
Typical amounts
$10K to $1M+
Data sharing
Never
Full-menu lender with strong SBA and commercial real-estate practice, overlap on SBA is meaningful.
Minimum FICO
575
Time in business
6 months
Minimum revenue
$100K/year
Funding speed
72 hours for working capital; 30–90 days for SBA
Products
Working Capital, Term Loan, SBA, Commercial Real Estate
Typical amounts
$25K – $6M across working capital, term, SBA, and CRE
Data sharing
Varies
Differentiators
Where each option actually wins.
Where ICG wins
- ICG's 500 FICO floor is lower than Biz2Credit's 575.
- ICG funds working capital in 24 hours vs. Biz2Credit's 72 hours.
- ICG's Brooklyn-based specialist team stays with the file end-to-end.
Where Biz2Credit may win
- Biz2Credit has a larger commercial real-estate book and can handle CRE loans above ICG's typical range.
- Biz2Credit's SBA volume is higher, which can mean faster SBA closings for complex structures.
Decision guide
When each option is the right call.
Choose ICG when
Your FICO is below 575, you need 24-hour funding, or you want a single specialist from application to close.
Apply with ICGChoose Biz2Credit when
You're pursuing a $5M+ commercial real-estate purchase or a complex SBA acquisition structure and you qualify at 650+ FICO.
FAQ
The questions you actually asked.
Choose ICG over Biz2Credit when your fico is below 575, you need 24-hour funding, or you want a single specialist from application to close. Choose Biz2Credit when you're pursuing a $5m+ commercial real-estate purchase or a complex sba acquisition structure and you qualify at 650+ fico.
Biz2Credit requires a 575 FICO minimum. ICG accepts 500+.
Biz2Credit funds in 72 hours for working capital; 30–90 days for SBA. ICG funds most products in 24 hours.
You're pursuing a $5M+ commercial real-estate purchase or a complex SBA acquisition structure and you qualify at 650+ FICO.
Next step
See your options in minutes.
One application. One specialist. One real decision in 24 hours.