Credit profile · 600-624
600 FICO Business Loan: Rates, Terms, and Product Mix. When credit is the question.
A 600 FICO qualifies for most ICG products including term loans and lines of credit, with APR pricing starting to compete with factor-rate offers.
Last updated · 2026-04-16
Why ICG at 600-624
We underwrite revenue first. Credit informs, it does not gate.
At 600-624, traditional lenders default to no. ICG looks at the bank statements, the deposit cadence, and the trajectory. Score informs pricing; revenue informs the answer.
Eligibility
At 600 FICO, ICG frequently offers side-by-side factor-rate and APR-based options and lets you pick the cheaper total-cost path.
Typical terms
APRs of 14–24% or factor rates of 1.18–1.32, funding amounts typically $25K–$250K.
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
Compatible products
Products that qualify at 600-624. Real options.
Score coaching
Improving your score. Without delaying capital.
Add a secured business card and pay it off every month, the extra on-time tradeline often accelerates the move to 650+.
You can apply now and rework score in parallel. Future renewals are repriced from the latest profile, not the original one.
Common questions
FAQs for 600 fico borrowers. Plainly.
A 600 FICO qualifies for most ICG products including term loans and lines of credit, with APR pricing starting to compete with factor-rate offers.
At 600 FICO, ICG frequently offers side-by-side factor-rate and APR-based options and lets you pick the cheaper total-cost path. Typical products: Term Loans, Business Line of Credit, Revenue-Based Funding.
APRs of 14–24% or factor rates of 1.18–1.32, funding amounts typically $25K–$250K.
Add a secured business card and pay it off every month, the extra on-time tradeline often accelerates the move to 650+.
No. ICG uses a soft credit pull only at application. A hard inquiry occurs only after you review and accept an offer.