ICG Funding and OnDeck both offer quick business funding, but they are made for different kinds of clients. Here is a side-by-side comparison to help you decide which one is better for you.
Funding Speed As fast as 24 hours Typically 1–3 business days
Credit Score Requirements 550+ or revenue-based 625+ FICO
Products Offered Working capital, MCA, LOC Term loans, lines of credit
Industry Flexibility Strong focus on construction/contractors Broader small business audience
Minimum Time in Business 6 months 12 months
Customer Sentiment 5-star reviews for speed + service Strong reputation, some bank-style hurdles
When to Choose ICG:
You’re in construction , retail, trucking , or healthcare
You need capital tomorrow — not next week
You have moderate to low credit and high monthly revenue
You qualify for a term loan and want fixed repayment
You prefer a longer approval process with more documentation
Final Thoughts: ICG is ideal for fast, industry-tailored capital.
ICG Funding is more flexible for niche industries and urgent funding needs while OnDeck is a strong option for term loans
