Capital District, New York · Albany, NY

Small business funding in Albany. When banks say no.

Albany's SMB economy anchors around state government contracting, nanotech manufacturing in Malta/Saratoga, and a long-standing hospitality trade along the Hudson corridor. Contract-cycle cash-flow gaps are the #1 capital need.

Check my options Call (646) 813-4633

Albany is 160 miles from Brooklyn — a three-hour drive or same-day ACH transfer. Same-day funding is standard.

Why ICG for Albany

Capital that moves at Albany speed. Not bank speed.

Albany operators borrow because the right week beats the right rate. ICG underwrites on revenue, not narrative, and decisions land inside 24 hours.

Decisions

Inside 24 hours

Credit floor

500+ FICO accepted

Underwriting

Revenue-based, no tax returns

Industries in Albany

Priority industries we fund in Albany. Pick yours.

Healthcare funding in Albany

Medical and dental practices wait longer than almost any other small-business vertical for insurance reimbursement to clear. Working capital closes the gap so payroll, equipment, and expansion never stall.

See healthcare funding details

Service Businesses funding in Albany

Service operators — auto repair, salons, cleaners, HVAC, landscaping, professional services — live on the tightest payroll-to-receivables timing in small-business lending. ICG underwrites against revenue, not tax returns, so crews keep moving.

See service businesses funding details

Retail funding in Albany

Retail inventory turns the calendar before the register does. ICG funds the pre-season buy, the seasonal staffing push, and the next build-out before sell-through even starts.

See retail funding details

Construction & Contractors funding in Albany

Construction operators pay crews every Friday and collect on net-60 from clients. That gap is where builders fail — unless capital moves faster than the build cycle.

See construction & contractors funding details

Am I eligible in Albany?