Comparison · vs National Funding
ICG Funding vs National Funding. An honest read.
Broad-menu lender, close competitor to ICG on product overlap.
Choose ICG over National Funding when your fico is below 600, you need sba or factoring, or you want a single point of contact through the full lifecycle. Choose National Funding when you're financing heavy equipment with an established national dealer relationship and you qualify at 600+ 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
Broad-menu lender, close competitor to ICG on product overlap.
Minimum FICO
600
Time in business
6 months
Minimum revenue
$250K/year
Funding speed
24 hours
Products
Working Capital, Equipment Financing, BCA
Typical amounts
$5K – $500K working capital, equipment financing
Data sharing
Varies
Differentiators
Where each option actually wins.
Where ICG wins
- ICG accepts 500+ FICO; National typically 600+.
- ICG offers SBA 7(a) and invoice factoring that National does not emphasize.
- ICG's Brooklyn-based specialist team stays with a file from application through funding.
Where National Funding may win
- National Funding's equipment-financing dealer network is slightly deeper in construction and trucking equipment.
- National's prepayment-discount programs can be more generous on working-capital advances.
Decision guide
When each option is the right call.
Choose ICG when
Your FICO is below 600, you need SBA or factoring, or you want a single point of contact through the full lifecycle.
Apply with ICGChoose National Funding when
You're financing heavy equipment with an established National dealer relationship and you qualify at 600+ FICO.
FAQ
The questions you actually asked.
Choose ICG over National Funding when your fico is below 600, you need sba or factoring, or you want a single point of contact through the full lifecycle. Choose National Funding when you're financing heavy equipment with an established national dealer relationship and you qualify at 600+ fico.
National Funding requires a 600 FICO minimum. ICG accepts 500+.
National Funding funds in 24 hours. ICG funds most products in 24 hours.
You're financing heavy equipment with an established National dealer relationship and you qualify at 600+ FICO.
Next step
See your options in minutes.
One application. One specialist. One real decision in 24 hours.