Responsible lending
Fair lending, by policy and by practice.
ICG Funding does not discriminate on any basis prohibited by the Equal Credit Opportunity Act, offers every declined applicant a written adverse-action notice with the reason for the decision, and works with borrowers experiencing hardship to find a restructuring path where possible.
Updated 2026-04-16 · Reviewed by ICG Funding compliance team
Fair lending · ECOA
Equal Credit Opportunity Act (ECOA) statement
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the bases listed below. ICG Funding complies fully with ECOA and applies the same underwriting standards to every application.
- Race
- Color
- Religion
- National origin
- Sex (including sexual orientation and gender identity)
- Marital status
- Age (provided the applicant has the capacity to contract)
- Receipt of income from any public-assistance program
- Good-faith exercise of rights under the Consumer Credit Protection Act
The federal agency that administers compliance with ECOA concerning ICG Funding is the Federal Trade Commission, Equal Credit Opportunity, 600 Pennsylvania Avenue NW, Washington, DC 20580.
Adverse action
Right to know why an application was declined
If ICG declines your application, you are entitled under ECOA to a written statement of the specific reasons for the decision. We send that statement, the adverse-action notice, within 30 days of a completed application.
The notice lists the principal reasons, any credit-bureau data we relied on (including the reporting agency’s name, address, and toll-free number), and the specific steps you can take to re-apply. If you believe the notice is incomplete or incorrect, contact ICG compliance at the address below.
Complaints
Report discrimination or file a complaint
If you believe ICG Funding or a third party acting on our behalf discriminated against you, treated you unfairly, or failed to provide a required disclosure, you have multiple paths to report it.
Contact ICG compliance
compliance@icg-funding.comOr call (646) 813-4633 and ask for compliance.
Infinite Capital Group d/b/a ICG Funding
1315 Ave J, Brooklyn, NY 11230
File a federal complaint
CFPB complaint portalconsumerfinance.gov/complaint
The Consumer Financial Protection Bureau accepts complaints about financial products and forwards them to the provider for response.
Disclosures
State commercial-financing disclosures
Several states require commercial-financing providers to deliver a standardized written disclosure before you sign a funding agreement. When you receive an offer from ICG Funding, and your business is headquartered or principally operates in a covered state listed below, we will deliver the state-specific commercial-financing disclosure along with your offer, before you sign.
Each disclosure includes (at minimum) the total amount financed, the finance charge or its factor- rate equivalent, the total repayment amount, the term or estimated term, the payment schedule or average payment, any prepayment cost or savings, any collateral or security interest, and any broker compensation paid in connection with the transaction.
- New York · 23 NYCRR Part 600 (Commercial Finance Disclosure Law)
- California · 10 CCR § 900 et seq. (SB 1235)
- Utah · Commercial Financing Registration Act
- Virginia · Va. Code § 6.2-2228 (SB 1470)
- Georgia · O.C.G.A. Tit. 10 Ch. 1 Art. 35 (HB 1291)
- Connecticut · Conn. Gen. Stat. § 36a-861 (PA 23-201)
- Florida · Fla. Stat. § 559.9611 (SB 1346)
- Missouri · Mo. Rev. Stat. § 427.300 (SB 1351)
- Kansas · Kan. Stat. Ann. § 16a-10-101 (HB 2247)
Rates, factor rates, funded amounts, and repayment schedules displayed anywhere on this website, including on the rates page, product pages, landing pages, calculators, and case studies, are illustrative only. They are not Commercial Financing Disclosures and are not offers to lend. The legally operative terms are the ones delivered to you with your offer.
SCRA & MLA
Servicemembers and military families
ICG Funding offers commercial financing only. Our products are not consumer loans and therefore are generally outside the scope of the federal Military Lending Act (10 U.S.C. § 987). That said, if you or a co-signer is an active-duty servicemember and have questions about the Servicemembers Civil Relief Act (50 U.S.C. §§ 3901 et seq.) as it relates to an ICG account, contact compliance@icg-funding.com and we will work with you in good faith on applicable rate caps, deferrals, and relief.
Hardship
Hardship & restructuring
Businesses have bad weeks. If your revenue is disrupted by a natural disaster, a major client loss, an equipment failure, or a medical emergency, contact ICG servicing before you miss a payment. We can’t promise every restructuring request is approved, but we do promise you will get a human review, a written response, and a clear path forward.
Typical options we evaluate include payment deferrals, daily-draw rate reductions, term extensions, and (for term loans) partial-interest-only periods. We do not charge anything to review a hardship request.
Reach servicing at servicing@icg-funding.com or call (646) 813-4633.
Your business isn’t waiting. Neither should your capital.
Financing up to $1.5M with no hard credit pulls within 24 hours.
Average time to first offer: 3 hours