Small business funding · $500,000
How to Get a $500,000 Business Loan in 2026. When timing matters.
A $500,000 business loan from ICG typically closes in 3–10 business days; expect full financial underwriting (tax returns, P&L, balance sheet) at this size.
Last updated · 2026-04-16
Why ICG for $500,000
Capital sized to $500,000. Priced to your P&L.
$500,000 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
Commercial equipment, acquisitions, partner buyouts, and multi-year expansion.
Qualifications
2+ years in business, $50K+ monthly revenue, 650+ FICO preferred, 2 years of tax returns.
Payment example
$16,600/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 $500,000 range. Pick one.
Common questions
Common questions about $500,000 loans. Answered straight.
Yes. A $500,000 business loan from ICG typically closes in 3–10 business days; expect full financial underwriting (tax returns, P&L, balance sheet) at this size. 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 commercial equipment, acquisitions, partner buyouts, and multi-year expansion.. ICG does not restrict legal business-purpose uses.
$16,600/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 · $500,000
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