FAQ · Application process
How soon will I receive an offer?
Last updated 2026-04-16
Memorandum · From the underwriting desk
How soon will I receive an offer?
Most applicants receive a preliminary offer within 2–4 hours of submitting a complete application with bank statements. Some offers are generated within minutes.
ICG UnderwritingRef · ICG-HOW-SO
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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