Audience · Immigrant-Owned Businesses
Small Business Funding for Immigrant-Owned Businesses. Same underwriting. Same speed.
ICG Funding accepts applications from immigrant-owned businesses with valid EIN, US-based bank account, and the standard ICG eligibility criteria, immigration status is not a direct underwriting factor.
Last updated · 2026-04-16
Why ICG for immigrant-owned businesses
Capital that meets immigrant-owned businesses where they are. Revenue first, always.
Immigrant entrepreneurs routinely start businesses that employ their families and communities. Traditional US credit scoring under-counts newcomers who arrived with thin files. ICG's bank-statement underwriting treats deposits as the primary signal.
Certifications
Certifications worth pursuing. Outside our underwriting, but worth knowing.
SBA / SCORE Immigrant Entrepreneur Resources
Free advisory and navigation for immigrant-owned small businesses accessing federal funding programs.
Kiva US 0% Microloan
Crowd-funded 0% interest microloans (up to $15K), frequently used by newly arrived immigrant entrepreneurs to build US credit.
CDFI Community Development Lender Network
Community-development lenders operate in most major metros with mandates to serve immigrant business owners.
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
Grants and capital
Grants and capital. How they combine.
Many immigrant-focused programs are delivered through CDFIs and city/state offices of new-Americans, they work best in combination with working-capital funding. Notable programs: Hello Alice New Americans Fund, NALCAB Small Business Pre-Pitch Competition, Accion Opportunity Fund.
Compatible products
ICG products that fit. Pick one. Mix two.
Equal Credit Opportunity Notice
ICG Funding complies with the Equal Credit Opportunity Act (ECOA). Credit decisions are made on the same underwriting criteria, revenue, bank-deposit history, time in business, and credit profile, without regard to race, color, religion, national origin, sex, marital status, age, sexual orientation, gender identity, veteran status, or any other protected characteristic.
FAQ
FAQs. Plainly.
ICG underwrites every applicant on the same revenue-first criteria. Certifications can unlock third-party grant and contracting programs outside ICG. See the certifications list on this page.
SBA / SCORE Immigrant Entrepreneur Resources: Free advisory and navigation for immigrant-owned small businesses accessing federal funding programs. Kiva US 0% Microloan: Crowd-funded 0% interest microloans (up to $15K), frequently used by newly arrived immigrant entrepreneurs to build US credit. CDFI Community Development Lender Network: Community-development lenders operate in most major metros with mandates to serve immigrant business owners.
Many immigrant-focused programs are delivered through CDFIs and city/state offices of new-Americans, they work best in combination with working-capital funding. Notable programs: Hello Alice New Americans Fund, NALCAB Small Business Pre-Pitch Competition, Accion Opportunity Fund.
ICG Funding complies with the Equal Credit Opportunity Act (ECOA). Credit decisions are made on the same underwriting criteria, revenue, bank-deposit history, time in business, and credit profile, without regard to race, color, religion, national origin, sex, marital status, age, sexual orientation, gender identity, veteran status, or any other protected characteristic.