SBA district office
Metro New York District Office
For SBA 7(a) and 504 loan inquiries, this is the district office covering New York businesses.
Visit SBA district pageBusiness Line of Credit · New York
Business Line of Credit in New York. Underwritten with local context.
A revolving line of credit gives you flexible access to capital whenever you need it. Draw funds, repay, and draw again, without reapplying. Available to New York businesses that meet ICG's underwriting criteria. Minimum FICO 550+, minimum revenue $15K/mo.
- Max funding
- $250K
- Term
- Revolving
- Time to fund
- 24 hours
- Min FICO
- 550+
The short answer
Does ICG offer business line of credit in New York?
Yes. ICG funds business line of credit for New York businesses that meet our standard underwriting criteria. Minimum FICO 550+, minimum revenue $15K/mo, and 6+ months in business.
Last updated 2026-06-24
New York disclosure rules
New York has a commercial financing disclosure law in force. ICG discloses APR on every offer regardless.
- Statute
- N.Y. Fin. Serv. Law §§ 801–811 (CFDL); 23 NYCRR Part 600
- Effective
- 2023-08-01
- Threshold
- ≤ $2,500,000
Non-depository providers extending specific offers of commercial financing of $2.5M or less to New York-managed recipients must deliver detailed TILA-style disclosures including Amount Financed, APR, and Finance Charge, with formatting prescribed by NYDFS.
Read the New Yorkregulator's pageNew York lending infrastructure
Where to file, who to contact. What to expect, in plain language.
UCC central filing
New York UCC filings
UCC-1 financing statements for New Yorkbusinesses 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 New York UCC officeNew York context
Where New York business line of credit typically lands. Local metros, local verticals.
Top New York metros
- Brooklyn
- Manhattan
- Queens
- The Bronx
- Staten Island
- Buffalo
- Rochester
- Albany
- Long Island
- Westchester County
Top New York industries
- Healthcare
- Restaurants & Hospitality
- Construction
- Retail
Eligibility
What we look for in New York files. Underwriting, in plain language.
- Minimum 6 months in business
- $15,000+ monthly revenue
- 550+ personal credit score
- Active business bank account
Common questions
Business Line of Credit in New York. Honest answers, no fine print games.
QDoes ICG offer business line of credit in New York?
Yes. ICG funds business line of credit for New York businesses that meet our standard underwriting criteria. Minimum FICO 550+, minimum revenue $15K/mo, and 6+ months in business.
QWhat disclosure laws apply to commercial financing in New York?
New York has enacted a commercial financing disclosure law (N.Y. Fin. Serv. Law §§ 801–811 (CFDL); 23 NYCRR Part 600), effective 2023-08-01. Non-depository providers extending specific offers of commercial financing of $2.5M or less to New York-managed recipients must deliver detailed TILA-style disclosures including Amount Financed, APR, and Finance Charge, with formatting prescribed by NYDFS.
QHow fast does business line of credit fund for a New York business?
24 hours from signed contract for most New York files. Larger deals or those requiring additional documentation may take longer.
QWhere are UCC filings made for New York businesses?
UCC-1 financing statements for New York businesses are filed with the state's central filing office (see https://dos.ny.gov/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 New York
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 business line of credit in New York. 24 hours to fund.
Quick application. Soft credit pull only. Real human review.