Comparison · vs Bluevine
ICG Funding vs Bluevine. An honest read.
Modern fintech focused on lines of credit and business banking, narrower product menu than ICG.
Choose ICG over Bluevine when you need any product other than a simple line of credit, your fico is below 625, or your business fits one of icg's core verticals. Choose Bluevine when you only need a line of credit + business checking and you qualify at 625+ fico with clean financials.
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
Modern fintech focused on lines of credit and business banking, narrower product menu than ICG.
Minimum FICO
625
Time in business
1 year
Minimum revenue
$120K/year
Funding speed
Same-day to 24 hours
Products
Line of Credit, Business Checking
Typical amounts
$5K – $250K line of credit; banking-only for some products
Data sharing
Varies
Differentiators
Where each option actually wins.
Where ICG wins
- ICG offers the full lending menu (term loans, equipment, SBA, factoring); Bluevine primarily offers a line of credit and business banking.
- ICG accepts 500+ FICO; Bluevine requires 625+ for most credit products.
- ICG specializes in industries (construction, healthcare, trucking) where Bluevine does not differentiate.
Where Bluevine may win
- Bluevine offers integrated business banking with the line of credit, useful if you want a single-vendor relationship.
- Bluevine's line APR can be lower than ICG's for prime-credit borrowers.
Decision guide
When each option is the right call.
Choose ICG when
You need any product other than a simple line of credit, your FICO is below 625, or your business fits one of ICG's core verticals.
Apply with ICGChoose Bluevine when
You only need a line of credit + business checking and you qualify at 625+ FICO with clean financials.
FAQ
The questions you actually asked.
Choose ICG over Bluevine when you need any product other than a simple line of credit, your fico is below 625, or your business fits one of icg's core verticals. Choose Bluevine when you only need a line of credit + business checking and you qualify at 625+ fico with clean financials.
Bluevine requires a 625 FICO minimum. ICG accepts 500+.
Bluevine funds in Same-day to 24 hours. ICG funds most products in 24 hours.
You only need a line of credit + business checking and you qualify at 625+ FICO with clean financials.
Next step
See your options in minutes.
One application. One specialist. One real decision in 24 hours.