Business stage · 5+ Years in Business
Business Loans for Established Businesses (5+ Years). Built for this stage.
At 5+ years in business, you qualify for every ICG product at the best available rates, and many clients at this stage negotiate custom structures rather than selecting from a product menu.
Last updated · 2026-04-16
Why ICG at 5+ years in business
Capital that fits 5+ years in business. Not a one-size offer.
5+ 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
Strategic growth, acquisition, recapitalization, or a long-term real-estate purchase.
Qualification note
5+ years of operating history with consistent profitability typically unlocks the tightest pricing ICG offers. Bring audited or CPA-reviewed financials for the best structuring conversation.
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 5+ years in business. Real options.
Common patterns
Common use cases. Evidence from the field.
- SBA 7(a) with 25-year real-estate amortization
- Custom term-loan structure tied to a specific growth plan
- Recapitalization or partner buyout
FAQ
FAQs. Plainly.
At 5+ years in business, you qualify for every ICG product at the best available rates, and many clients at this stage negotiate custom structures rather than selecting from a product menu.
5+ years of operating history with consistent profitability typically unlocks the tightest pricing ICG offers. Bring audited or CPA-reviewed financials for the best structuring conversation.
Strategic growth, acquisition, recapitalization, or a long-term real-estate purchase.
• SBA 7(a) with 25-year real-estate amortization • Custom term-loan structure tied to a specific growth plan • Recapitalization or partner buyout
Apply