Qualifications
Your revenue qualifies you. Not your credit score.
Most owners qualify with 6+ months of operating history, $15,000 or more in monthly revenue, and a personal FICO of 500. The matrix below shows exactly what each product requires.
Updated 2026-04-26 · Reviewed by ICG Funding compliance
Product matrix
10+ products. One application.
Apply once. We match you to the product whose criteria you meet, then to the offer that fits the use of funds.
| Product | Min FICO | Time in business | Monthly revenue | Amount | Collateral |
|---|---|---|---|---|---|
Revenue-Based Funding Daily or weekly remittance tied to deposits. Fastest path to capital. | 500+ | 6+ months | $15,000 / mo | Up to $2M | None required |
Term Loan Fixed monthly payments over 12 to 60 months. Best for predictable spend. | 600+ | 12+ months | $20,000 / mo | Up to $500K | UCC blanket lien |
Line of Credit Draw, repay, redraw. Pay interest only on the balance you use. | 600+ | 12+ months | $25,000 / mo | Up to $250K | UCC blanket lien |
SBA 7(a) Lowest rates available. Longer underwriting. Profitable books required. | 650+ | 24+ months | $30,000 / mo | Up to $5M | Secured + PG |
Equipment Financing Up to 100% of invoice. Title transfers at the end of the term. | 600+ | 12+ months | $15,000 / mo | Up to $1M | The equipment itself |
RBF
Revenue-Based Funding
Daily or weekly remittance tied to deposits. Fastest path to capital.
- Min FICO
- 500+
- Time in business
- 6+ months
- Monthly revenue
- $15,000 / mo
- Amount
- Up to $2M
- Collateral
- None required
TERM
Term Loan
Fixed monthly payments over 12 to 60 months. Best for predictable spend.
- Min FICO
- 600+
- Time in business
- 12+ months
- Monthly revenue
- $20,000 / mo
- Amount
- Up to $500K
- Collateral
- UCC blanket lien
LOC
Line of Credit
Draw, repay, redraw. Pay interest only on the balance you use.
- Min FICO
- 600+
- Time in business
- 12+ months
- Monthly revenue
- $25,000 / mo
- Amount
- Up to $250K
- Collateral
- UCC blanket lien
SBA
SBA 7(a)
Lowest rates available. Longer underwriting. Profitable books required.
- Min FICO
- 650+
- Time in business
- 24+ months
- Monthly revenue
- $30,000 / mo
- Amount
- Up to $5M
- Collateral
- Secured + PG
EQUIPMENT
Equipment Financing
Up to 100% of invoice. Title transfers at the end of the term.
- Min FICO
- 600+
- Time in business
- 12+ months
- Monthly revenue
- $15,000 / mo
- Amount
- Up to $1M
- Collateral
- The equipment itself
The underwriting lens
What we look at. What banks look at.
The qualification gap is rarely about the business. It is about which signals each lender weighs and how heavily.
ICG Funding
Cash flow first.
- 4 months of recent business bank statements
- Average daily balance and deposit cadence
- Time in business and industry vertical
- Existing business obligations and stacking exposure
- Owner FICO as a directional signal, not a gate
Traditional banks
Paperwork first.
- 2 to 3 years of filed tax returns
- Audited financial statements and P&L
- Personal and business credit deep pulls
- Hard collateral, real estate, or pledged assets
- Owner FICO as a hard floor (often 720+)
Common questions
Qualification FAQ. Straight answers.
ICG Funding accepts applicants with a personal FICO of 500 or higher for revenue-based funding. Term loans and lines of credit typically require 600+, and SBA 7(a) loans require 650+. Credit is one factor; revenue and time in business carry equal weight.
The baseline is $15,000 in monthly business revenue for revenue-based funding. Term loans typically require $20,000+, and SBA loans require $30,000+. Revenue is verified through 4 months of business bank statements. No tax returns required for initial review.
Most ICG products require 6+ months in business. Term loans and equipment financing typically require 12 months, and SBA 7(a) loans require 24 months of documented operating history.
No. ICG performs a soft credit inquiry during the initial review, which does not impact your credit score. A hard pull may occur only after you accept a funding offer.
Which product fits
Qualifications vary by product.
Each funding product has slightly different minimum requirements. Pick the one that matches your situation.
Ready when you are
Meet the baseline? Apply in minutes.
Soft pull only. You will know whether you qualify, and for which product, within the same business day.