Business stage · Startup (0–6 Months)
Startup Business Funding in the First 6 Months. Built for this stage.
Most ICG programs require 6 months of operating history, but startups with existing revenue, equipment collateral, or a strong personal guarantor can still qualify for specific products.
Last updated · 2026-04-16
Why ICG at startup (0–6 months)
Capital that fits startup (0–6 months). Not a one-size offer.
Startup (0–6 Months) businesses have specific needs and specific evidence. We meet you with the product set that actually qualifies at this stage.
Typical use
Initial inventory, first-hire payroll, equipment acquisition, or a short-term bridge while waiting for an SBA micro-loan to close.
Qualification note
Startups under 6 months typically qualify only against asset collateral (equipment financing) or existing invoices (factoring). Pure working-capital advances require 6+ months of deposits.
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 startup (0–6 months). Real options.
Common patterns
Common use cases. Evidence from the field.
- Equipment purchase with the equipment serving as collateral
- Factoring an initial B2B invoice to a creditworthy client
- Short-term merchant advance against early card-processing history
FAQ
FAQs. Plainly.
Most ICG programs require 6 months of operating history, but startups with existing revenue, equipment collateral, or a strong personal guarantor can still qualify for specific products.
Startups under 6 months typically qualify only against asset collateral (equipment financing) or existing invoices (factoring). Pure working-capital advances require 6+ months of deposits.
Initial inventory, first-hire payroll, equipment acquisition, or a short-term bridge while waiting for an SBA micro-loan to close.
• Equipment purchase with the equipment serving as collateral • Factoring an initial B2B invoice to a creditworthy client • Short-term merchant advance against early card-processing history
Apply