Transparency
Every cost of capital, on the offer, before you sign.
ICG Funding discloses every rate and every repayment term on the written offer. No hidden markups, no auto-renewals, and no last-minute changes between offer and signing.
Updated 2026-04-16 · Reviewed by ICG Funding compliance team
Our pricing philosophy
The principles behind how we price, quote, and disclose — built to earn your trust and keep it.
All costs disclosed pre-signing
Every offer states the funded amount, the rate (factor or APR), term, payment schedule, origination cost in both percent and dollars, and the total cost of capital. You see the final number before you sign, not after.
One point of contact, one data trail
Your application is handled by one ICG specialist, not a rotating call center. We do not sell your contact information or your bank statements to third-party marketing databases, and we do not syndicate your file into lead-generation networks.
Prepayment is your option
Most ICG term loans have no prepayment penalty. Pay off early and save interest. Factor-rate products may offer a discount on the remaining balance for early payoff. The specifics are always in your agreement.
We explain factor rates like they’re factor rates
A factor rate is not an APR. On factor-rate products we disclose the factor, the total repayment dollars, and, where meaningful, an illustrative APR equivalent. We do not hide the cost of capital behind a label.
Show the math
Slide the amount and factor rate, pick a term. The total repayment, cost of capital, weekly payment, and APR-equivalent update live. The same four numbers that appear on every ICG offer.
Your scenario
Funded amount
$75,000Factor rate
1.28Term
Illustrative math only. Your actual offer — factor, term, and APR-equivalent — is derived from underwriting and stated on the signed agreement.
The math
Total repayment
$
Cost of capital
$
Weekly payment
$
APR-equivalent (illustrative)
Cost of capital = total repayment − funded amount. Every ICG offer shows this line in dollars, not just percent.
What to watch out for at other lenders
These are the patterns that turn a reasonable-sounding offer into an expensive one. ICG’s practice sits next to each.
ICG practice
How ICG handles it
Double-dipping · ICG
No double-dipping. On refinances, you are credited for interest already paid.
Loan stacking · ICG
No stacking. We underwrite the full debt picture and never solicit overlapping advances.
Lead-gen resale · ICG
Your contact details are never resold. One application stays with ICG.
Origination-cost surprises · ICG
The origination cost is stated twice in every offer: in percent and in dollars.
Auto-renew traps · ICG
No auto-renewals. Every renewal is a new agreement you actively accept.
Industry red flags
Patterns to read for
Double-dipping
Some lenders refinance your existing loan into a new one and charge interest on the refinanced principal as though it were new money. ICG does not double-dip. If we refinance an ICG loan, you are credited for the interest already paid.
Loan stacking
Brokers earn more when you take multiple overlapping advances. Stacking strains cash flow and often violates the default clauses in existing agreements. ICG underwrites the full debt picture and does not solicit stacked products.
Lead-gen resale
Some online application forms quietly resell your contact details to a panel of marketers and unrelated lenders. Every resale means another phone call, another email chain, and, in some cases, another hard pull on your credit. Always read the consent language before you submit anywhere.
Origination-cost surprises
Some lenders bury the origination cost in the fine print or subtract it from proceeds without naming it. ICG states the origination cost twice in every offer: in percent and in dollars.
Auto-renew traps
Some BCA agreements renew automatically into more expensive facilities. ICG does not auto-renew. Any renewal offer is presented as a new agreement that you actively accept.
Licensed where required
ICG Funding operates as a licensed commercial financing provider in every state where our products require it. Commercial small-business lending is regulated differently from consumer lending; specific licensing by state is available on request.
Where state law requires specific rate, APR-equivalent, or total-cost-of-capital disclosures (e.g., California SB 1235, New York Commercial Finance Disclosure), ICG includes those disclosures in the offer itself, not buried in a separate document.
For licensing and disclosure questions, contact compliance@icg-funding.com.
Legal entity
Infinite Capital Group
d/b/a ICG Funding
Address
1315 Ave J, Brooklyn, NY 11230
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