Business Financing Brokerage

Capital for
businesses
built to grow.

One application. Our lender network. 14 products from $5K to $10M+. We match your business to the right financing and the right lender — and stay in it until you're funded.

Start Free AssessmentSee All 14 Products

No application fee  ·  No credit impact to see options  ·  We're paid by the lender

Do you qualify?

Check your eligibility in under a minute.

Start Full Assessment →
14
Financing Products
$5K
Minimum Deal Size
24 hr
Fastest Funding
$10M+
Maximum Deal Size
Our Financing Solutions

14 products. One application.

We match your profile to the right product — and the right lender. No wrong doors, no wasted applications.

⚡
Working Capital
$5K – $500K
No FICO Min4+ Mo TIBSame-Day
💼
Small Business Loan
Up to $500K
No FICO Min4+ Mo TIB24–72 Hr
🔄
Business Line of Credit
Up to $500K
600+ FICO6+ Mo TIBRevolving
📈
Term Loan
$25K – $5M+
660+ FICO2+ Yr TIB3–7 Days
🏛
SBA Loan (7a / 504)
Up to $5M+
675+ FICO2+ Yr TIBLowest Payments
🔧
Equipment Financing
Up to $5M
580+ FICONo TIB Min24–48 Hr
🏢
Commercial Real Estate
Up to $10M+
650+ FICOProperty Docs2–4 Weeks
📋
Accounts Receivable
Up to 90% of Invoices
No FICO MinB2B Invoices24–48 Hr
🏠
Fix & Flip
Project-Based
680+ FICOPrior Exp.3–10 Days
🏪
Franchise Financing
New or Existing Units
6+ Mo TIBFDD Required3–7 Days
🏘
DSCR / Rental Investment
1–4 Unit Properties
650+ FICOCash Flow Qualifies1–3 Weeks
📦
Purchase Order Financing
Confirmed POs
Confirmed POSupplier Needed3–7 Days
🌉
Bridge Loan
Short-Term Gap
Asset BackedClear Exit Required3–10 Days
🌿
Cannabis Financing
Licensed Operators
State-Legal OnlyLicense RequiredVaries

TIB = Time in Business. Qualifications vary by lender. Approval determined by lender, not Icarus Consulting. Not all products available in all states.

The Process

From application to funded — faster than your bank.

We've removed every friction point that slows down traditional lending.

01

Qualify & Match

Complete a one-page eligibility assessment. We identify which of our 14 products fits your profile and match you to the right lender — no guesswork, no wrong doors.

Takes 5 minutes
02

Submit & Review

Sign an engagement agreement, submit 4 months of bank statements, and we build your package. We submit to lenders and manage underwriting — you run your business while we do the work.

24–48 hours to decision
03

Review & Fund

When a term sheet arrives, we walk you through it on a call — not just forward it. When you sign, funding typically hits your account within 24–48 hours of approval.

Funded in as little as 24 hours
Industries We Serve

If you run it, we can finance it.

We work across industries. Our job is connecting fast-moving businesses with capital that keeps up.

🔩
Contractors & Trades
HVAC, plumbing, electrical, roofing. Equipment financing, working capital, and A/R financing for the gap between finishing a job and getting paid.
🚛
Transportation & Logistics
Fleet expansion, fuel costs, emergency repairs. Equipment financing and working capital that moves as fast as your trucks.
🏥
Healthcare Practices
Equipment upgrades, reimbursement gaps, expansion. Term loans, SBA, and A/R financing for medical and dental practices.
🍽
Restaurants & Food Service
Inventory, staffing, equipment, seasonal ramp-ups. Working capital funded in as little as 24 hours.
🏗
Commercial Real Estate
Buy, refinance, or cash out on commercial properties. CRE loans, bridge loans, fix & flip, and DSCR investment financing.
🏬
Retail & E-Commerce
Seasonal inventory, expansion, ad scaling. Working capital, lines of credit, and purchase order financing for product businesses.
Why Icarus

A broker who works for you — and is paid by the lender.

Zero cost to you

Icarus earns a broker fee from the lender on funded deals. There's no cost to apply, and no fee for seeing your options.

One application, our entire network

Your profile goes to the right lenders simultaneously. You get competitive terms without applying everywhere yourself.

We tell you the truth

We won't push you into a product that doesn't fit or promise an approval we can't guarantee. If you don't qualify, we'll tell you why — and what would change that.

We stay in it until you're funded

We manage underwriting, chase missing docs, and walk you through every term sheet on a call. Your job is to run your business — ours is to close your deal.

Funding speed by product
Typical time from approval to funds in account
Working CapitalSame-day – 48 hrs
Business Line of CreditSame-day
Equipment Financing24 – 48 hrs
A/R Financing24 – 48 hrs
Term Loan3 – 7 days
Commercial Real Estate2 – 4 weeks
SBA Loan (7a / 504)2 – 6 weeks
Minimum Qualifications

Most programs start here.

These are the baseline requirements that unlock the majority of our product portfolio. Many programs have lower bars — check your eligibility and we'll tell you exactly what fits.


Check My Eligibility →
✓
U.S.-based business entity
Active business with a legal U.S. presence
✓
Active business checking account
Separate from personal — required to fund
✓
4+ months in business
Equipment financing has no minimum; SBA requires 2+ years
✓
$10,000+ average monthly deposits
Based on the last 4 months of bank statements
✓
Owner or authorized signer
Must be able to sign an engagement agreement
✓
Clear-state location
We currently broker financing in 38 states + DC
Get Started

Find out what your
business qualifies for.

Free eligibility assessment. No credit impact. No commitment. We'll match you to the right product and the right lender — and tell you exactly what you'd need to move forward.

Start Free Assessment

Or reach us directly: kyle.bitterfield@icarus.business  ·  icarus.business

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Icarus Consulting
Icarus Consulting
  • Bold ambition, guided well.
    ​

    IcarusConsulting


    Apply Now

Business financing, arranged.

Most business owners meet the financing market at its worst — a search that turns into a dozen forms, a dozen credit pulls, and a dozen salespeople all promising the same thing.

Icarus Consulting exists to be the other experience.

I'm Kyle Bitterfield. Icarus is a commercial finance brokerage. I arrange business financing for US small and mid-size companies through a network of lenders: one application, one person who knows your file, and a straight answer about what it will actually cost before you commit to anything.

How I work
One application, not twelve. You tell me what you're funding and why. I take it to the lenders most likely to fund it — and I tell you where it's going and why.
I name the real number first. If a property supports $2 million and you need $3 million, you'll hear that on the first call, not three weeks in. If a bank can do it cheaper than what I can arrange, I'll tell you to go to the bank.
No offer gets forwarded. When a term sheet comes back, we go through it together on a call. You should never have to interpret an offer alone.
You pay me nothing. I'm paid by the lender when a deal funds. If nothing funds, you owe nothing.

The honest part
I'm a broker, not a lender. I don't approve anything, I don't set rates, and I can't promise a timeline — the lender decides all three after reviewing your file. Anyone who quotes you those numbers before reading a single bank statement is guessing.

What I can tell you is where you actually stand: what fits, what it costs, what it will take, and when the answer is no.

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Services offered


Apply Now

Get in Touch with Our team
Email Us at:​
icarusconsulting@zohomail.com
​or 
​Call Us at:
​833-688-0886

You can contact me via one of the following options.

Kelley A. Fleming 196 Woodside Circle
Mobile, FL 36602
Phone:555-123456

Phone:555-123456

Email:info@example.com

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