Comparison · vs Funding Circle
ICG Funding vs Funding Circle. An honest read.
Marketplace term-loan lender for established borrowers with solid credit, significantly stricter bar than ICG.
Choose ICG over Funding Circle when your fico is below 660, you've been in business under 2 years, or you need any product beyond a standard term loan. Choose Funding Circle when you have 680+ fico, 3+ years operating history, strong financial statements, and you want the absolute lowest apr on an amortizing term loan.
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
Marketplace term-loan lender for established borrowers with solid credit, significantly stricter bar than ICG.
Minimum FICO
660
Time in business
2 years
Minimum revenue
$50K/year
Funding speed
3–5 business days
Products
Term Loan
Typical amounts
$25K – $500K term loan
Data sharing
Varies
Differentiators
Where each option actually wins.
Where ICG wins
- ICG accepts 500+ FICO and 6 months in business; Funding Circle requires 660+ FICO and 2+ years.
- ICG funds in 24 hours on most products; Funding Circle takes 3–5 days.
- ICG offers revenue-based funding, factoring, and SBA, products Funding Circle does not.
Where Funding Circle may win
- Funding Circle offers fixed-rate term loans with APRs that can beat ICG for prime borrowers (680+ FICO, 3+ years TIB).
- Funding Circle's term-loan amortization matches bank-style underwriting better than ICG's shorter-term products.
Decision guide
When each option is the right call.
Choose ICG when
Your FICO is below 660, you've been in business under 2 years, or you need any product beyond a standard term loan.
Apply with ICGChoose Funding Circle when
You have 680+ FICO, 3+ years operating history, strong financial statements, and you want the absolute lowest APR on an amortizing term loan.
FAQ
The questions you actually asked.
Choose ICG over Funding Circle when your fico is below 660, you've been in business under 2 years, or you need any product beyond a standard term loan. Choose Funding Circle when you have 680+ fico, 3+ years operating history, strong financial statements, and you want the absolute lowest apr on an amortizing term loan.
Funding Circle requires a 660 FICO minimum. ICG accepts 500+.
Funding Circle funds in 3–5 business days. ICG funds most products in 24 hours.
You have 680+ FICO, 3+ years operating history, strong financial statements, and you want the absolute lowest APR on an amortizing term loan.
Next step
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