Product comparison
Revenue-based funding is a loan with a fixed daily or weekly debit against all business revenue; a business cash advance is a purchase of future card receivables with remittance as a percentage of card sales.
Last updated 2026-04-16
Two paths, side by side
The same business problem can take very different routes depending on what you optimize for. Here is the honest split.
Revenue Funding
Your business does not run on card sales (B2B, contractors, professional services) or you want predictable fixed debits.
Wins for
Business Cash Advance
You run a card-heavy business (restaurant, retail) with seasonal swings and want payments that automatically flex with sales.
Wins for
Side by side
| Factor | Revenue Funding | Business Cash Advance |
|---|---|---|
| Legal structure | Loan | Purchase of receivables |
| Repayment basis | All business revenue | Card settlements only |
| Debit behavior | Fixed daily/weekly | % of daily card sales (flexes) |
| Min FICO | 500+ | 500+ |
| Qualification signal | Bank deposits | Card processing history |
| Typical term | 3–18 months | 3–12 months |
Common questions
Revenue-based funding is a loan with a fixed daily or weekly debit against all business revenue; a business cash advance is a purchase of future card receivables with remittance as a percentage of card sales.
Your business does not run on card sales (B2B, contractors, professional services) or you want predictable fixed debits.
You run a card-heavy business (restaurant, retail) with seasonal swings and want payments that automatically flex with sales.
Yes. Many ICG clients qualify for multiple products. Our underwriters will recommend the best fit based on your use of funds, time horizon, and qualification profile.
Ready when you are
Quick application. Real human review. We will tell you which fits.
