Small business funding · $250,000
How to Get a $250,000 Business Loan in 2026. When timing matters.
A $250,000 business loan typically funds in 48–72 hours; at this size lenders usually review a P&L, debt schedule, and most recent tax return.
Last updated · 2026-04-16
Why ICG for $250,000
Capital sized to $250,000. Priced to your P&L.
$250,000 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
Real-estate deposits, large equipment purchases, buyouts, or multi-quarter growth plans.
Qualifications
2+ years in business, $35K+ monthly revenue, 600+ FICO preferred, a clean debt profile.
Payment example
$8,290/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 $250,000 range. Pick one.
Common questions
Common questions about $250,000 loans. Answered straight.
Yes. A $250,000 business loan typically funds in 48–72 hours; at this size lenders usually review a P&L, debt schedule, and most recent tax return. 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 real-estate deposits, large equipment purchases, buyouts, or multi-quarter growth plans.. ICG does not restrict legal business-purpose uses.
$8,290/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 · $250,000
Ready to apply for a $250,000 loan? Soft pull only.
Decisions inside 24 hours.