Business stage · 1 Year in Business
Business Loans at 1 Year in Business. Built for this stage.
At 1 year in business, ICG term loans, equipment financing, and higher-limit lines of credit all unlock, and rates step down meaningfully from the sub-12-month brackets.
Last updated · 2026-04-16
Why ICG at 1 year in business
Capital that fits 1 year in business. Not a one-size offer.
1 Year in Business businesses have specific needs and specific evidence. We meet you with the product set that actually qualifies at this stage.
Typical use
Major equipment, hiring rounds, a second location or build-out, and debt consolidation.
Qualification note
1 year is the threshold for most APR-priced term loans. Expect $20K+ monthly revenue and 550+ FICO for the best pricing.
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 available at 1 year in business. Real options.
Common patterns
Common use cases. Evidence from the field.
- Term loan to consolidate higher-cost short-term debt
- Equipment financing for fleet or production upgrades
- Line of credit with a meaningfully higher cap
FAQ
FAQs. Plainly.
At 1 year in business, ICG term loans, equipment financing, and higher-limit lines of credit all unlock, and rates step down meaningfully from the sub-12-month brackets.
1 year is the threshold for most APR-priced term loans. Expect $20K+ monthly revenue and 550+ FICO for the best pricing.
Major equipment, hiring rounds, a second location or build-out, and debt consolidation.
• Term loan to consolidate higher-cost short-term debt • Equipment financing for fleet or production upgrades • Line of credit with a meaningfully higher cap
Apply