FAQ · Eligibility
What credit score do I need to qualify?
Last updated 2026-04-16
Memorandum · From the underwriting desk
What credit score do I need to qualify?
ICG accepts personal credit scores as low as 500. We primarily underwrite based on your business revenue and cash flow, not your credit history. A lower credit score does not rule you out if your business generates consistent income.
ICG UnderwritingRef · ICG-CREDIT
Practical context
How ICG evaluates eligibility
ICG looks at live business performance before it treats a file as a simple credit-score exercise. Revenue consistency, time in business, and use of funds usually matter more than a bank-style box-checking process.
- Recent business revenue and cash-flow stability
- Time in business and operating consistency
- Whether the requested product fits the actual need
Related products