Credit profile · Soft pull only
No-Credit-Check Business Loans: What's Really on Offer. When credit is the question.
True no-credit-check business loans are rare and usually predatory. ICG uses a soft credit inquiry (no impact to your score) and underwrites primarily on your bank statements, the closest legitimate equivalent.
Last updated · 2026-04-16
Why ICG at Soft pull only
We underwrite revenue first. Credit informs, it does not gate.
At Soft pull only, 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 soft pull does not affect your credit score. A hard pull may only occur after you review and accept an offer.
Typical terms
Factor rates of 1.25–1.40, term 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 Soft pull only. Real options.
Score coaching
Improving your score. Without delaying capital.
If a competitor claims "zero credit inquiry" and still funds unsecured capital, read the APR and total-cost disclosure carefully, the cost usually makes up for the loose qualification.
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 no credit check borrowers. Plainly.
True no-credit-check business loans are rare and usually predatory. ICG uses a soft credit inquiry (no impact to your score) and underwrites primarily on your bank statements, the closest legitimate equivalent.
A soft pull does not affect your credit score. A hard pull may only occur after you review and accept an offer. Typical products: Revenue-Based Funding, Business Cash Advance, Invoice Factoring.
Factor rates of 1.25–1.40, term 3–12 months, funding amounts typically $10K–$150K.
If a competitor claims "zero credit inquiry" and still funds unsecured capital, read the APR and total-cost disclosure carefully, the cost usually makes up for the loose qualification.
No. ICG uses a soft credit pull only at application. A hard inquiry occurs only after you review and accept an offer.