Six months in business.
Underwriting needs a runway of cash flow to read. Six months is enough history to see whether deposits are real, recurring, and yours. Newer than that and a soft pull cannot tell the story honestly.
Am I eligible?
Four things. That's the bar.
Time in business, monthly revenue, personal credit, and a business bank account. Meet the four and the application is built for you. Miss one and there is usually a path.
The four checks
The receipt. Stamped, not surprised.
One ticket, four perforated columns. This is the entire underwriting checklist that decides whether ICG can fund your business today.
ICG Funding · Underwriting ChecklistNo. 0001 · Pre-qualified
01 Check
6+ months
Time in business
02 Check
$15K+
Monthly revenue
03 Check
500+ FICO
Personal credit
04 Check
Required for deposit
Business bank account
Why these four?
Each check earns its place. Nothing extra. Nothing missing.
The four are not a marketing shortlist. They are the inputs that actually predict whether a business can take capital and pay it back.
Fifteen thousand a month.
Revenue is the single best predictor of whether a business can carry repayment. $15K monthly is the floor where most ICG products start to make sense. Below it, the math rarely works for either side.
A personal FICO of 500.
Credit is one input, not the verdict. We use a soft pull at application so checking does not move the score. Five hundred opens the door. Stronger credit unlocks lower pricing and longer terms.
An active business bank account.
We deposit funds into the business, not into a personal account. An operating checking account in the company name is required so capital lands clean and repayment moves on schedule.
What if I don't qualify?
Most no's are not final. They are a list of next steps.
If the four checks do not line up today, an underwriter will say so plainly and point to the product or path that does.
Under six months in business
Revenue-based funding may still apply once you cross the four-month deposit window. Reach back out with one more statement.
Monthly revenue under $15K
A business credit card or a smaller revolving line is often the right first product. We will route you there instead of forcing a no.
FICO below 500
Credit-builder paths and secured lines are designed for this exact range. Score recovery is a quarter or two, not years.
No business bank account yet
Open one this week. Once 90 days of business deposits are visible, the application turns from probably-no to probably-yes.
See the full product menu on the products page, or talk to a real underwriter through the contact page.
Ready when you are
Four checks. One soft pull.
The application takes a few minutes. Credit is not affected. You will hear back the same business day with a real answer: fund, decline, or exactly what to fix.