Business stage · 2 Years in Business
Business Loans at 2+ Years in Business. Built for this stage.
At 2+ years in business, ICG SBA 7(a) loans open up, unlocking the longest terms (up to 25 years) and the lowest rates (prime + 2.25–4.75%) available to small businesses.
Last updated · 2026-04-16
Why ICG at 2 years in business
Capital that fits 2 years in business. Not a one-size offer.
2 Years in Business businesses have specific needs and specific evidence. We meet you with the product set that actually qualifies at this stage.
Typical use
Commercial real-estate purchase, business acquisition, partner buyouts, and multi-year expansion plans.
Qualification note
2+ years is the standard SBA 7(a) minimum. Plan on $30K+ monthly revenue, 650+ FICO, and 2 years of tax returns to pursue SBA 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 2 years in business. Real options.
Common patterns
Common use cases. Evidence from the field.
- SBA 7(a) acquisition loan up to $5M
- Commercial real-estate purchase with 25-year term
- Refinancing higher-cost debt into an SBA-backed facility
FAQ
FAQs. Plainly.
At 2+ years in business, ICG SBA 7(a) loans open up, unlocking the longest terms (up to 25 years) and the lowest rates (prime + 2.25–4.75%) available to small businesses.
2+ years is the standard SBA 7(a) minimum. Plan on $30K+ monthly revenue, 650+ FICO, and 2 years of tax returns to pursue SBA pricing.
Commercial real-estate purchase, business acquisition, partner buyouts, and multi-year expansion plans.
• SBA 7(a) acquisition loan up to $5M • Commercial real-estate purchase with 25-year term • Refinancing higher-cost debt into an SBA-backed facility
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