FAQ · Products
Can I have more than one product at once?
Last updated 2026-04-16
Memorandum · From the underwriting desk
Can I have more than one product at once?
Yes. Many ICG clients carry a working-capital product alongside equipment financing or an SBA loan. Each product is underwritten independently, and stacking is evaluated based on overall debt service coverage.
ICG UnderwritingRef · ICG-CAN-I-
Practical context
How product selection usually works
The right answer is rarely the biggest approval. It is the product whose repayment structure matches how the business collects revenue, how quickly it needs capital, and how long the capital should stay outstanding.
- Short-term working-capital needs versus long-term expansion
- Fixed payments versus revenue-sensitive remittance
- Whether collateral or invoices change the best-fit product