Business stage · 3 Months in Business
Business Loans at 3 Months in Business. Built for this stage.
At 3 months in business, ICG's working-capital products are generally unavailable, but business cash advances (against 3+ months of card processing) and equipment financing remain open.
Last updated · 2026-04-16
Why ICG at 3 months in business
Capital that fits 3 months in business. Not a one-size offer.
3 Months in Business businesses have specific needs and specific evidence. We meet you with the product set that actually qualifies at this stage.
Typical use
Immediate inventory or equipment needs; bridge capital against existing merchant processing.
Qualification note
At 3 months, ICG requires verifiable card-processing history (for BCAs) or asset collateral (for equipment financing). Factoring requires at least one invoiced B2B client.
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 3 months in business. Real options.
Common patterns
Common use cases. Evidence from the field.
- Business cash advance against 3+ months of card volume
- Equipment financing for a critical asset
- Spot factoring a single large invoice
FAQ
FAQs. Plainly.
At 3 months in business, ICG's working-capital products are generally unavailable, but business cash advances (against 3+ months of card processing) and equipment financing remain open.
At 3 months, ICG requires verifiable card-processing history (for BCAs) or asset collateral (for equipment financing). Factoring requires at least one invoiced B2B client.
Immediate inventory or equipment needs; bridge capital against existing merchant processing.
• Business cash advance against 3+ months of card volume • Equipment financing for a critical asset • Spot factoring a single large invoice
Apply