process
Qualifying Revenue
Qualifying revenue is the minimum verified average monthly gross revenue a business must demonstrate to be eligible for a specific funding product.
Definition
What it means.
Every funding product has a minimum revenue threshold, ICG's floor is $15,000/month for most working capital products. Lenders calculate qualifying revenue by averaging the total gross deposits over 3–6 months of business bank statements, then stripping out transfers between accounts, owner capital injections, and non-operating one-time deposits.
The key distinction is gross deposits vs. net revenue. A restaurant that deposits $80K/month in card sales but has $40K in vendor transfers back through the same account may only count $40K as qualifying revenue. Consistent month-to-month deposits matter more than aggregate totals, two months below the floor in a six-month window can flag the application for additional review.
Example
A business deposits $50K in month 1, $55K in month 2, $20K in month 3 (slow month), $48K in month 4. The 4-month average is $43K, well above a $15K minimum, but the $20K month will trigger underwriter scrutiny into why revenue dropped.
Now what?
Get an offer that accounts for qualifying revenue.
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