Is CICF a loan or a grant?

Funds received through CICF would be considered a small business loan.  However, we encourage you to view this as an investment in your business due to our alternative repayment plans and requirements to access this funding. All investments must be repaid to ESO based on the terms of the agreement. Repayment begins three months after the money has been disbursed. Financing terms range from 24 to 60 months, depending on the product.