Audience · Minority-Owned Businesses
Small Business Funding for Minority-Owned Businesses. Same underwriting. Same speed.
ICG Funding underwrites minority-owned businesses on the same revenue-first criteria as every other applicant; MBE/NMSDC certification can unlock additional grant and supplier-diversity opportunities outside ICG.
Last updated · 2026-04-16
Why ICG for minority-owned businesses
Capital that meets minority-owned businesses where they are. Revenue first, always.
Minority business enterprises remain under-served by traditional bank credit channels. ICG's revenue-based underwriting uses 3–6 months of bank-deposit history instead of relying primarily on a credit bureau file.
Certifications
Certifications worth pursuing. Outside our underwriting, but worth knowing.
NMSDC MBE (Minority Business Enterprise)
The most widely accepted minority-owned certification for Fortune 500 supplier-diversity programs.
SBA 8(a) Business Development Program
Federal set-aside for socially and economically disadvantaged small businesses; opens sole-source contracts up to $7M.
SBA Small Disadvantaged Business (SDB)
Broader federal certification for disadvantaged-owned businesses.
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.
Grants pair well with working-capital funding: grants fund longer-horizon investments (hiring, equipment) while revenue-based funding handles immediate cash-flow needs. Notable grants: NMSDC Emerging Young Entrepreneurs, Comcast RISE, Hello Alice Business Growth 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.
NMSDC MBE (Minority Business Enterprise): The most widely accepted minority-owned certification for Fortune 500 supplier-diversity programs. SBA 8(a) Business Development Program: Federal set-aside for socially and economically disadvantaged small businesses; opens sole-source contracts up to $7M. SBA Small Disadvantaged Business (SDB): Broader federal certification for disadvantaged-owned businesses.
Grants pair well with working-capital funding: grants fund longer-horizon investments (hiring, equipment) while revenue-based funding handles immediate cash-flow needs. Notable grants: NMSDC Emerging Young Entrepreneurs, Comcast RISE, Hello Alice Business Growth 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.