SBA district office
Illinois District Office
For SBA 7(a) and 504 loan inquiries, this is the district office covering Illinois businesses.
Visit SBA district pageInvoice Factoring · Illinois
Invoice Factoring in Illinois. Underwritten with local context.
Invoice factoring converts your unpaid B2B receivables into immediate cash. ICG advances 85–95% of the invoice amount on submission, you receive the remainder (less a small factoring cost) when your client pays. Available to Illinois businesses that meet ICG's underwriting criteria. Minimum FICO 500+, minimum revenue $25K/mo invoiced.
- Max funding
- $2M facility
- Term
- Per-invoice, ongoing facility
- Time to fund
- Same-day after setup
- Min FICO
- 500+
The short answer
Does ICG offer invoice factoring in Illinois?
Yes. ICG funds invoice factoring for Illinois businesses that meet our standard underwriting criteria. Minimum FICO 500+, minimum revenue $25K/mo invoiced, and 6+ months in business.
Last updated 2026-06-24
Illinois disclosure rules
Illinois has no state-specific commercial financing disclosure law. ICG discloses APR on every offer regardless.
Federal Truth in Lending Act (TILA) does not apply to commercial loans, and Illinois has not enacted a state-specific commercial financing disclosure regime as of 2026. ICG voluntarily discloses APR ranges and total repayment on every offer regardless of state mandate. See our transparency policy for the full disclosure framework.
Illinois lending infrastructure
Where to file, who to contact. What to expect, in plain language.
UCC central filing
Illinois UCC filings
UCC-1 financing statements for Illinoisbusinesses are filed with the state's central filing office. Most ICG products require a UCC filing. See our UCC filing glossary entry for what to expect.
Open Illinois UCC officeIllinois context
Where Illinois invoice factoring typically lands. Local metros, local verticals.
Top Illinois metros
- Chicago
- Aurora
- Rockford
- Naperville
Top Illinois industries
- Manufacturing
- Trucking
- Healthcare
- Restaurants & Hospitality
Eligibility
What we look for in Illinois files. Underwriting, in plain language.
- Minimum 6 months invoicing B2B customers
- $25,000+ monthly invoiced revenue
- 500+ personal credit score (clients' credit matters more than yours)
- Creditworthy B2B buyers (non-consumer)
- No outstanding liens on accounts receivable
Common questions
Invoice Factoring in Illinois. Honest answers, no fine print games.
QDoes ICG offer invoice factoring in Illinois?
Yes. ICG funds invoice factoring for Illinois businesses that meet our standard underwriting criteria. Minimum FICO 500+, minimum revenue $25K/mo invoiced, and 6+ months in business.
QWhat disclosure laws apply to commercial financing in Illinois?
Illinois has not enacted a commercial financing disclosure law specific to non-bank lenders as of 2026. Federal Truth in Lending Act protections do not extend to commercial loans, but ICG voluntarily discloses APR ranges on every offer.
QHow fast does invoice factoring fund for a Illinois business?
Same-day after setup from signed contract for most Illinois files. Larger deals or those requiring additional documentation may take longer.
QWhere are UCC filings made for Illinois businesses?
UCC-1 financing statements for Illinois businesses are filed with the state's central filing office (see https://www.ilsos.gov/departments/business-services/uniform-commercial-code.html). ICG files a UCC where required by the product (most term loans, equipment financing, and revenue-based funding).
Other ICG products available in Illinois
Browse the rest of the catalog. Same state. Different shapes of capital.
ICG Funding (legal entity Infinite Capital Group) complies with applicable state commercial financing disclosure laws.
Ready when you are
Apply for invoice factoring in Illinois. Same-day after setup to fund.
Quick application. Soft credit pull only. Real human review.