FAQ · Eligibility
How long does my business need to be operating?
Last updated 2026-04-16
Memorandum · From the underwriting desk
How long does my business need to be operating?
Most ICG products require a minimum of 6 months in business. SBA loans and some term loan programs require 1–2 years. The key factor is consistent revenue generation during your operating history.
ICG UnderwritingRef · ICG-TIME-I
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