SBA district office
Philadelphia District Office
For SBA 7(a) and 504 loan inquiries, this is the district office covering Pennsylvania businesses.
Visit SBA district pageInvoice Factoring · Pennsylvania
Invoice Factoring in Pennsylvania. 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 Pennsylvania 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 Pennsylvania?
Yes. ICG funds invoice factoring for Pennsylvania 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
Pennsylvania disclosure rules
Pennsylvania 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 Pennsylvania 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.
Pennsylvania lending infrastructure
Where to file, who to contact. What to expect, in plain language.
UCC central filing
Pennsylvania UCC filings
UCC-1 financing statements for Pennsylvaniabusinesses 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 Pennsylvania UCC officePennsylvania context
Where Pennsylvania invoice factoring typically lands. Local metros, local verticals.
Top Pennsylvania metros
- Philadelphia
- Pittsburgh
- Allentown
- Erie
Top Pennsylvania industries
- Healthcare
- Manufacturing
- Trucking
- Retail
Eligibility
What we look for in Pennsylvania 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 Pennsylvania. Honest answers, no fine print games.
QDoes ICG offer invoice factoring in Pennsylvania?
Yes. ICG funds invoice factoring for Pennsylvania 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 Pennsylvania?
Pennsylvania 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 Pennsylvania business?
Same-day after setup from signed contract for most Pennsylvania files. Larger deals or those requiring additional documentation may take longer.
QWhere are UCC filings made for Pennsylvania businesses?
UCC-1 financing statements for Pennsylvania businesses are filed with the state's central filing office (see https://www.pa.gov/agencies/dos/resources/business-resources/uniform-commercial-code). ICG files a UCC where required by the product (most term loans, equipment financing, and revenue-based funding).
Other ICG products available in Pennsylvania
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 Pennsylvania. Same-day after setup to fund.
Quick application. Soft credit pull only. Real human review.