Central Texas · Austin, TX
Small business funding in Austin. When banks say no.
Austin's SMB base runs hot on restaurant, live-music venue, and professional-service formations. Tech-corporate payroll support is a secondary tailwind. Restaurant and retail operators on South Congress and East Sixth drive the bulk of inbound applications.
Austin funding clears same-day by ACH. ICG's CT underwriting window keeps decisions on the same business day as submission.
Why ICG for Austin
Capital that moves at Austin speed. Not bank speed.
Austin 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 Austin
Priority industries we fund in Austin. Pick yours.
Healthcare funding in Austin
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 Austin
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 Austin
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 Austin
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 Austin?
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
Other Texas markets
Nearby cities we also fund. Same playbook.
Apply · Austin
Funding for Austin businesses. Apply in minutes.
Soft pull only. Decisions inside 24 hours.