Product comparison
Revenue-based funding qualifies on bank statements (500+ FICO) with a factor-rate cost; term loans require 550+ FICO and 1 year in business but price on APR with fixed monthly payments.
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 credit is under 550, you need funding in 24 hours, or you prefer daily debits that smooth cash flow.
Wins for
Term Loans
Your credit is 600+, you want predictable monthly payments, and you're comfortable with a slightly slower 24–48 hour funding timeline.
Wins for
Side by side
| Factor | Revenue Funding | Term Loans |
|---|---|---|
| Minimum FICO | 500+ | 550+ |
| Time in business | 6 months | 1 year |
| Cost structure | Factor rate (1.15–1.45) | APR (8–25%) |
| Repayment | Daily or weekly debit | Fixed monthly |
| Term | 3–18 months | 6–36 months |
| Funding speed | 24 hours | 24–48 hours |
Common questions
Revenue-based funding qualifies on bank statements (500+ FICO) with a factor-rate cost; term loans require 550+ FICO and 1 year in business but price on APR with fixed monthly payments.
Your credit is under 550, you need funding in 24 hours, or you prefer daily debits that smooth cash flow.
Your credit is 600+, you want predictable monthly payments, and you're comfortable with a slightly slower 24–48 hour funding timeline.
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.
