Product comparison
An ICG term loan funds in 24–48 hours at APRs 8–25%; an SBA 7(a) closes in 30–90 days at Prime + 2.25–4.75% and goes up to $5M with 25-year terms.
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.
Term Loans
You need funding within days, the amount is under $500K, or your credit profile is below SBA thresholds.
Wins for
SBA Loans
You can wait 30–90 days, the amount is $250K+, and you want the lowest APR available for real estate, acquisition, or major expansion.
Wins for
Side by side
| Factor | Term Loans | SBA Loans |
|---|---|---|
| Funding speed | 24–48 hours | 30–90 days |
| Min FICO | 550+ | 650+ |
| Min time in business | 1 year | 2 years |
| Max amount | $500K | $5M |
| Max term | 36 months | 25 years |
| Documentation | Bank statements | Tax returns + financials |
Common questions
An ICG term loan funds in 24–48 hours at APRs 8–25%; an SBA 7(a) closes in 30–90 days at Prime + 2.25–4.75% and goes up to $5M with 25-year terms.
You need funding within days, the amount is under $500K, or your credit profile is below SBA thresholds.
You can wait 30–90 days, the amount is $250K+, and you want the lowest APR available for real estate, acquisition, or major expansion.
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.
