FAQ · Repayment
What are the rates and costs?
Last updated 2026-04-16
Memorandum · From the underwriting desk
What are the rates and costs?
Rates vary by product and applicant profile. Revenue-based funding uses factor rates (typically 1.15–1.45). Term loans use APR (typically 8–25%). Lines of credit charge monthly interest on the drawn balance only (1.5–3% per month). All rates and total repayment costs are disclosed transparently in your offer, before you commit to anything.
ICG UnderwritingRef · ICG-RATES-
Practical context
How to think about repayment
Repayment terms should be read as operating constraints, not just pricing. The practical question is whether the payment cadence fits the business cycle without creating unnecessary cash-flow compression.
- Daily, weekly, or monthly payment cadence
- Total repayment cost and any early-payoff mechanics
- How the obligation fits existing debt service
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