Revenue-Based Funding
Funding qualified by your deposits, not your credit file.
Revenue-based funding uses your monthly business income, not your personal credit history, to determine how much capital you can access. If your register is ringing, your capital is waiting.
- Range
- $500K
- Terms
- 3–18 months
- Speed
- 24 hours
- Min FICO
- 500+
The short answer
What is revenue-based funding, and how do you qualify?
Revenue-based funding uses your monthly business income, not your personal credit history, to determine how much capital you can access. If your register is ringing, your capital is waiting.
- Range
- $500K
- Terms
- 3–18 months
- Speed
- 24 hours
- Min FICO
- 500+
- Min revenue
- $15K/mo
Last updated 2026-06-24
How it works
One application, three honest steps.
The same process powers every ICG product. Revenue Funding adds nothing extra. See the full walkthrough →
Step 01
Apply
Three minutes online. No documents required to start. Soft credit pull only.
Step 02
Review
One ICG team underwrites your file against revenue funding criteria. You get a decision and indicative terms.
Step 03
Fund
Sign electronically. Funds wire to your operating account, typically within 24 hours of approval.
Who it’s for
Built for businesses that fit revenue funding.
If these four lines describe your business, you very likely qualify.
Eligibility snapshot
- Time in business
- 6 months or more
- Monthly revenue
- $15K/mo
- Personal credit
- 500+
- Funding speed
- 24 hours
Common use cases
Emergency Payroll
Cover payroll during a slow month without missing a single check.
Inventory Purchase
Stock up before peak season when your supplier requires payment upfront.
Opportunity Capital
Say yes to a large order or contract that requires upfront investment.
Cash Flow Smoothing
Bridge the gap between receivables and payables without disrupting operations.
Compare
Revenue Funding sits next to four other products.
One application routes you to the product that actually fits. Full side-by-side comparison →
| Product | Range | Speed | Best for |
|---|---|---|---|
| Revenue FundingYou are here | $500K | 24 hours | Emergency Payroll |
| Term Loans | $500K | 24–48 hours | Business Expansion |
| Line of Credit | $250K | 24 hours | Seasonal Cash Flow |
| Bridge Capital | $500K | 24 hours | Real Estate Deposits |
| SBA Loans | $5M | 30–60 days | Business Acquisition |
| BCA | $500K | 24–48 hours | Card-Heavy Retail & Restaurants |
FAQs about Revenue Funding
The questions we hear most.
01Does applying affect my credit score?
Does applying affect my credit score?
No. We perform a soft credit inquiry during the initial review, which does not impact your credit score. A hard pull may occur only after you accept a funding offer.
02How is the repayment amount determined?
How is the repayment amount determined?
Repayment is based on a percentage of your daily or weekly revenue. The exact amount is fixed at the time of funding so you always know what to expect.
03Can I pay off early?
Can I pay off early?
Yes. Many of our revenue-based funding agreements allow early payoff with a discount on the remaining factor rate balance.
04What documents do I need?
What documents do I need?
Typically just 3–6 months of business bank statements and a valid government-issued ID. No tax returns or financial statements required for initial review.
05Is collateral required?
Is collateral required?
No. Revenue-based funding is unsecured. We underwrite based on your business cash flow, not your assets.
By state
Available in every state we fund.
Each state page covers the local commercial financing disclosure rules, the SBA district office, and where to file UCCs for revenue funding.
- AlabamaAL
- AlaskaAK
- ArizonaAZ
- ArkansasAR
- CaliforniaCA
- ColoradoCO
- ConnecticutCT
- DelawareDE
- Washington, D.C.DC
- FloridaFL
- GeorgiaGA
- HawaiiHI
- IdahoID
- IllinoisIL
- IndianaIN
- IowaIA
- KansasKS
- KentuckyKY
- LouisianaLA
- MaineME
- MarylandMD
- MassachusettsMA
- MichiganMI
- MinnesotaMN
- MississippiMS
- MissouriMO
- MontanaMT
- NebraskaNE
- NevadaNV
- New HampshireNH
- New JerseyNJ
- New MexicoNM
- New YorkNY
- North CarolinaNC
- North DakotaND
- OhioOH
- OklahomaOK
- OregonOR
- PennsylvaniaPA
- Rhode IslandRI
- South CarolinaSC
- South DakotaSD
- TennesseeTN
- TexasTX
- UtahUT
- VermontVT
- VirginiaVA
- WashingtonWA
- West VirginiaWV
- WisconsinWI
- WyomingWY
By industry
Built for your industry.
Industry-specific cash-flow patterns, qualification realities, and how revenue funding fits each one.
- Restaurants & Hospitality
- Construction & Contractors
- Healthcare & Medical Practices
- Trucking & Transportation
- Retail & E-Commerce
- Auto Repair & Service
- Manufacturing
- HVAC & Mechanical Contractors
- Veterinary Practices
- Beauty & Wellness
- Staffing & Professional Services
- Landscaping & Lawn Care
- E-Commerce & Direct-to-Consumer
Ready when you are
Apply for Revenue Funding. Get an answer today.
Three minutes. Soft credit pull. One ICG team from application to wire.