Credit profile · 670-739
Good-Credit Business Loans: Unlock Better Rates with a 670-739 FICO. When credit is the question.
A good-credit FICO (670-739) unlocks ICG term loans, lines of credit, and SBA Express at competitive rates, typically 9–16% APR for qualified applicants.
Last updated · 2026-04-16
Why ICG at 670-739
We underwrite revenue first. Credit informs, it does not gate.
At 670-739, 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
Good credit shifts underwriting toward APR-priced products rather than factor-rate advances.
Typical terms
APRs of 9–18%, terms of 12–36 months, funding amounts typically $50K–$500K.
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 670-739. Real options.
Score coaching
Improving your score. Without delaying capital.
Move a portion of revolving credit to an installment term loan to diversify your tradelines, often worth a further 15–25 point lift.
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 good credit borrowers. Plainly.
A good-credit FICO (670-739) unlocks ICG term loans, lines of credit, and SBA Express at competitive rates, typically 9–16% APR for qualified applicants.
Good credit shifts underwriting toward APR-priced products rather than factor-rate advances. Typical products: Term Loans, Business Line of Credit, SBA Loans.
APRs of 9–18%, terms of 12–36 months, funding amounts typically $50K–$500K.
Move a portion of revolving credit to an installment term loan to diversify your tradelines, often worth a further 15–25 point lift.
No. ICG uses a soft credit pull only at application. A hard inquiry occurs only after you review and accept an offer.