The process
From application to your account in 24 hours.
A short application. Same-day underwriting by a real person. A written offer with every cost disclosed. A wire into your business account inside a day.
Updated 2026-04-26 · Reviewed by ICG compliance
Step by step
Four steps. No mystery in between.
The home page shows the headline version. This is the long-form walkthrough, with what happens at each step and what you can expect from us.
- 01A few minutes
Apply
Answer a short form about your business, your monthly revenue, and how much funding you are seeking. ICG runs a soft credit pull that does not affect your score. The whole application takes just a few minutes end to end.
- Soft credit check (no score impact)
- No tax returns required
- Mobile-friendly secure form
- 02Same day
Review
Securely connect or upload 4 months of business bank statements. Our underwriting team (real people, not a chatbot) reviews your revenue, cash flow, and business profile the same business day. Applications submitted before 11 AM ET typically clear underwriting by close of business.
- Bank-grade encryption on uploads
- Reviewed by a real human, same day
- No charge for declined applications
- 03In hours
Offer
Your offer states the funded amount, the factor rate or APR, the repayment schedule, the origination cost in dollars, and the total cost of capital. You have time to read it, compare it, and ask questions before you commit. Specialists are reachable by phone, text, or email.
- Total cost of capital disclosed upfront
- Compare against any competing offer
- Direct line to your specialist
- 04Within 24 hours
Fund
Review, e-sign, and your dedicated funding specialist coordinates the wire. For standard products, funds hit your business checking account within 24 hours of signed acceptance. Same-day funding is available for qualifying applications submitted before 11 AM ET.
- Direct wire to your business account
- Same-day funding for qualifying files
- Post-funding specialist support
What you need
A short list. Gather it once.
Have these five items ready before you open the application and you will finish in just a few minutes.
- 01
4 months of business bank statements
PDF download or secure read-only connect via Plaid.
- 02
Government-issued photo ID
Driver’s license or passport for each owner with 20%+ stake.
- 03
A voided business check or ACH authorization
Used to confirm the account where funds will be wired.
- 04
Business EIN and entity formation documents
EIN letter, articles of incorporation, or operating agreement.
- 05
A use-of-funds answer
A rough sentence on what the capital is for. No essay required.
How decisions are made
Soft underwriting. Real humans. Plain math.
We are not a black box. Here is what we look at, in what order, and how we decide what to offer.
Revenue first
We weight your last 4 months of deposits more heavily than your FICO. A profitable business with a 580 score gets a serious look.
Cash-flow safety
We size offers around your average daily balance and existing obligations so the payment fits your week, not just your month.
Human review
No black-box algorithm makes the final call. A specialist signs off on every offer and can explain exactly why.
Transparent terms
Factor rate or APR, term, and total cost of capital are stated in dollars on the offer sheet. Always.
Timeline
A typical 24-hour funding window.
Hours from application to wire for a clean, complete file submitted before 11 AM ET. Every file is a little different. This is the shape.
00:00 · Step 01
Apply
Submit the secure online form.
00:30 · Step 02
Statements in
Upload or connect bank statements.
04:00 · Step 03
Underwriting cleared
A specialist reviews your file.
06:00 · Step 04
Offer issued
Written terms in your inbox.
12:00 · Step 05
Acceptance
You e-sign the agreement.
24:00 · Step 06
Funded
Capital wired to your account.
Ready to start the clock
Apply now. Wire by tomorrow.
Same-day underwriting. Funds in your account inside 24 hours of signed acceptance. Free to apply.