Small business funding · California (CA)
California small business loans. Funded inside 24 hours.
ICG Funding helps California operators nationwide. Revenue-based underwriting, 500+ FICO accepted, and funding in 24 hours. No data selling to third-party marketers.
Last updated · 2026-04-16
Why ICG in California
Capital that knows California. Revenue-first underwriting.
California operators borrow for the same reason every operator does: timing. ICG underwrites on bank-deposit history and returns decisions in hours, not weeks. State-specific disclosures and UCC handling are baked into every product page.
Coverage
Funding small businesses across California. City by city.
Industries
Top-funded industries in California. Where the deposits land.
Restaurants & Hospitality
Retail
Healthcare
Construction
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
California disclosure
Commercial financing in California is disclosed under SB-1235 (California Commercial Financing Disclosures Act, codified at Cal-FPA). ICG provides the required APR-equivalent disclosure on all California offers before funding.
FAQ
California funding FAQs. Plainly.
ICG Funding helps California operators nationwide. Revenue-based underwriting, 500+ FICO accepted, and funding in 24 hours. No data selling to third-party marketers.
ICG funds businesses across all legal industries in California. The state's dominant sectors include Restaurants & Hospitality, Retail, Healthcare, Construction.
Most ICG applicants in California receive a decision within 2 to 4 hours and funds within 24 hours of accepting an offer. SBA loans take 30 to 90 days due to federal requirements.
ICG accepts personal FICO scores as low as 500. Underwriting is primarily driven by business bank-deposit history, not credit score.
Commercial financing in California is disclosed under SB-1235 (California Commercial Financing Disclosures Act, codified at Cal-FPA). ICG provides the required APR-equivalent disclosure on all California offers before funding.
ICG products in California
Every funding product available to California businesses.
Each page covers California-specific commercial financing disclosure rules and where to file UCCs.
Apply · California