Western New York · Rochester, NY
Small business funding in Rochester. When banks say no.
Rochester's SMB base leans into precision manufacturing, optics, and healthcare — a legacy of Kodak, Xerox, and the University of Rochester medical system. Equipment-backed financing drives the largest share of inbound applications from the metro.
Rochester is 330 miles from Brooklyn. Fund by wire same day, documents closed via e-sign. In-person visits are not required for any product.
Why ICG for Rochester
Capital that moves at Rochester speed. Not bank speed.
Rochester operators borrow because the right week beats the right rate. ICG underwrites on revenue, not narrative, and decisions land inside 24 hours.
Decisions
Inside 24 hours
Credit floor
500+ FICO accepted
Underwriting
Revenue-based, no tax returns
Industries in Rochester
Priority industries we fund in Rochester. Pick yours.
Healthcare funding in Rochester
Medical and dental practices wait longer than almost any other small-business vertical for insurance reimbursement to clear. Working capital closes the gap so payroll, equipment, and expansion never stall.
See healthcare funding details
Service Businesses funding in Rochester
Service operators — auto repair, salons, cleaners, HVAC, landscaping, professional services — live on the tightest payroll-to-receivables timing in small-business lending. ICG underwrites against revenue, not tax returns, so crews keep moving.
See service businesses funding details
Retail funding in Rochester
Retail inventory turns the calendar before the register does. ICG funds the pre-season buy, the seasonal staffing push, and the next build-out before sell-through even starts.
See retail funding details
Construction & Contractors funding in Rochester
Construction operators pay crews every Friday and collect on net-60 from clients. That gap is where builders fail — unless capital moves faster than the build cycle.
See construction & contractors funding details
Am I eligible in Rochester?
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
Other New York markets
Nearby cities we also fund. Same playbook.
Apply · Rochester
Funding for Rochester businesses. Apply in minutes.
Soft pull only. Decisions inside 24 hours.