Small business funding · $100,000
How to Get a $100,000 Business Loan in 2026. When timing matters.
A $100,000 business loan from ICG usually funds in 24–48 hours on bank statements alone; some options at this tier unlock lower APRs with a year of operating history.
Last updated · 2026-04-16
Why ICG for $100,000
Capital sized to $100,000. Priced to your P&L.
$100,000 loans live in a sweet spot: large enough to move a business forward, small enough to underwrite on bank-deposit history alone. ICG matches the amount to a product, not the other way around.
Typical use
Major equipment, build-outs, an acquisition deposit, or scaling a proven sales engine.
Qualifications
1 year in business, $20K+ monthly revenue, 550+ FICO recommended, clean bank activity.
Payment example
$3,320/mo at 12% APR, 36-month term, illustrative only.
Am I eligible?
If these four things are true, you probably qualify.
6+ months
Time in business
$15K+
Monthly revenue
500+ FICO
Personal credit
Required for deposit
Business bank account
Best-fit products
Products that fund the $100,000 range. Pick one.
Common questions
Common questions about $100,000 loans. Answered straight.
Yes. A $100,000 business loan from ICG usually funds in 24–48 hours on bank statements alone; some options at this tier unlock lower APRs with a year of operating history. Funds hit your business bank account the business day after you accept an offer.
ICG underwrites primarily on bank-statement revenue, so a 500+ FICO is typically sufficient at this amount. Better credit unlocks APR-priced products; lower credit defaults to factor-rate products.
Three to six months of business bank statements, a government-issued ID, and a voided check or bank-verification link. No tax returns required for initial underwriting on most products at this tier.
Yes. Typical uses include major equipment, build-outs, an acquisition deposit, or scaling a proven sales engine.. ICG does not restrict legal business-purpose uses.
$3,320/mo at 12% APR, 36-month term, illustrative only. Your actual payment depends on product, rate, and term. Disclosed in full before you sign anything.
Apply · $100,000
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