FAQ · Application process
Does applying affect my credit score?
Last updated 2026-04-16
Memorandum · From the underwriting desk
Does applying affect my credit score?
No. The initial application triggers only a soft credit inquiry, which does not impact your credit score. A hard inquiry may occur only after you review and accept a specific funding offer.
ICG UnderwritingRef · ICG-DOES-A
Practical context
What to expect during the application process
Most friction in small-business funding comes from missing context, not missing forms. ICG keeps the early application light, then asks for only the documents needed to support a real underwriting decision.
- Initial application in minutes, not hours
- Bank statements used to verify operating reality
- Offer terms disclosed before any commitment
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