FAQ · Eligibility
Can I qualify if I was rejected by a bank?
Last updated 2026-04-16
Memorandum · From the underwriting desk
Can I qualify if I was rejected by a bank?
Yes. The majority of our clients have been turned down by traditional banks. Banks primarily evaluate credit scores and collateral. ICG primarily evaluates revenue and business performance, a fundamentally different approach that produces a fundamentally different answer.
ICG UnderwritingRef · ICG-QUALIF
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