Comparison · vs Credibly
ICG Funding vs Credibly. An honest read.
Product overlap is meaningful.
Choose ICG over Credibly when you want the broader product menu, direct underwriter access, or a no-data-sharing guarantee. Choose Credibly when you're already a past credibly customer with a payment history, renewal pricing tends to favor returning borrowers.
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
Product overlap is meaningful.
Minimum FICO
550
Time in business
6 months
Minimum revenue
$15K/month
Funding speed
24–48 hours
Products
Working Capital, Term Loan, BCA
Typical amounts
$5K – $600K working capital, term loans
Data sharing
Varies
Differentiators
Where each option actually wins.
Where ICG wins
- ICG offers 9+ products including SBA 7(a) and invoice factoring; Credibly's menu is narrower.
- ICG's Brooklyn-based underwriting team is hands-on; no account-manager rotation.
- ICG commits to a no-data-sharing policy; Credibly partners with marketing networks.
Where Credibly may win
- Credibly has been operating longer and has higher brand recognition in some verticals.
- Credibly offers slightly higher max amounts on standard working-capital products for long-tenured operators.
Decision guide
When each option is the right call.
Choose ICG when
You want the broader product menu, direct underwriter access, or a no-data-sharing guarantee.
Apply with ICGChoose Credibly when
You're already a past Credibly customer with a payment history, renewal pricing tends to favor returning borrowers.
FAQ
The questions you actually asked.
Choose ICG over Credibly when you want the broader product menu, direct underwriter access, or a no-data-sharing guarantee. Choose Credibly when you're already a past credibly customer with a payment history, renewal pricing tends to favor returning borrowers.
Credibly requires a 550 FICO minimum. ICG accepts 500+.
Credibly funds in 24–48 hours. ICG funds most products in 24 hours.
You're already a past Credibly customer with a payment history, renewal pricing tends to favor returning borrowers.
Next step
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