Credit profile · 500-579
Bad-Credit Business Loans: How to Get Funded with a 500-579 FICO. When credit is the question.
Business owners with a 500-579 FICO can still qualify for revenue-based funding, business cash advances, and invoice factoring at ICG, because we underwrite against bank-deposit history, not your credit score.
Last updated · 2026-04-16
Why ICG at 500-579
We underwrite revenue first. Credit informs, it does not gate.
At 500-579, 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
A "bad credit" FICO does not rule you out. ICG reviews 3–6 months of business bank statements and looks for consistent deposits above $15K/month.
Typical terms
Factor rates of 1.25–1.45, terms of 3–12 months, funding amounts typically $10K–$150K.
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 500-579. Real options.
Score coaching
Improving your score. Without delaying capital.
Pay down revolving balances below 30% utilization and keep all vendor trade lines current. Most applicants see a 40–80 point lift within six months.
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 bad credit borrowers. Plainly.
Business owners with a 500-579 FICO can still qualify for revenue-based funding, business cash advances, and invoice factoring at ICG, because we underwrite against bank-deposit history, not your credit score.
A "bad credit" FICO does not rule you out. ICG reviews 3–6 months of business bank statements and looks for consistent deposits above $15K/month. Typical products: Revenue-Based Funding, Business Cash Advance, Invoice Factoring.
Factor rates of 1.25–1.45, terms of 3–12 months, funding amounts typically $10K–$150K.
Pay down revolving balances below 30% utilization and keep all vendor trade lines current. Most applicants see a 40–80 point lift within six months.
No. ICG uses a soft credit pull only at application. A hard inquiry occurs only after you review and accept an offer.