Your clients tell you about their capital needs before they tell anyone else. We handle the bank-side process so you can keep pointing them at the right structure without taking on the bank work yourself — and without taking on any licensing entanglement.
Before they talk to a bank, before they Google an SBA broker — they ask their CPA. You already see the working-capital squeeze, the acquisition opportunity, the equipment refinance need on the tax returns. We’re the SBA placement partner you point them to when they ask.
We do not require you to be on the application, the closing, or the disclosures. You introduce the borrower; we handle the bank from there. No licensing entanglement, no independence concerns, no risk to your audit or attest relationships.
SBA underwriting takes 30+ documents and multiple rounds with a credit committee. We package, route to the right bank, and manage closing logistics. You don’t learn it, don’t track it, don’t chase it — and you stay focused on the work your clients actually pay you for.
Not a junior packager, not a marketplace queue. Every borrower you send is assigned to a specialist who has placed at least $5M of SBA capital and underwrites the file before pitching it to a bank. You can trust the relationship you put on the line.
If a client’s situation fits a pattern below, send it. We’ll tell you whether SBA is the right structure or whether something else (conventional, IDRAW, equipment finance) fits better.
$50K–$350K to cover seasonal cash flow, AR gaps, a hire, or inventory. Credit-Based pricing — no collateral required. Common when you see the bank balance squeeze on the 12-month P&L.
Buying equipment with SBA 7(a) instead of an equipment finance lease. Often cheaper long-run; preserves working capital. We size to the cash-flow capacity in the tax return.
Your client has MCAs, factoring lines, or term debt above Prime + 6%. SBA 7(a) refinance at a 10-year fixed Prime + spread is almost always cash-flow positive month one.
Buying the building they operate from. SBA 7(a) at 90% LTV or 504 at 90% LTV with a low fixed-rate second mortgage. The cash flow on the tax return is what qualifies them.
Buying a competitor, supplier, or industry peer. SBA 7(a) up to $5M based on EBITDA + the seller’s tax returns. You’re the one who sees the seller’s books first.
Buying out a retiring partner or shareholder. Common SBA structure: long-term fixed, sometimes with seller financing as second-lien. We coordinate the cap-table and structure piece.
Zero. Irving Fund is paid by the bank that funds the loan (clean files) or through the bank's closing costs (less clean files) — never by the borrower directly. There's no application fee, no packaging fee, no retainer at any stage. Your client pays the standard SBA guarantee fee and bank closing costs they'd pay anywhere; nothing more for working with us.
No. We are an SBA placement broker, not a lender. You do not sign loan documents, do not sit on the disclosures, and do not appear in the transaction. The relationship is borrower-to-Irving Fund. You're free to also serve as your client's CPA during and after the loan — many of our best partners do.
SBA 7(a) goes up to $5M. We place across the $50K–$350K Credit-Based and $150K–$5M Traditional bands. For files outside SBA, we route to conventional, IDRAW (our sister product for revenue-based draw lines), or other structures.
Credit-Based files close in 30–45 days. Traditional SBA 7(a) takes 45–90 days depending on the bank and the use of funds. Owner-occupied CRE adds time for the appraisal. We tell you upfront which timeline your client's file is on.
You introduce, we take it from there. You see live status updates via the same activity feed the borrower's specialist sees — gate, documents, lender shop, offer, close. We send proactive updates when a milestone hits. You stay in the loop with your client without having to chase status.
Only if your client authorizes it. We collect documents directly from the borrower through our portal — encrypted upload, never email. If it's faster for you to share the returns you already have on file (with the client's written OK), we accept that path too. Either way, the borrower controls access.
CPA firm, bookkeeping practice, tax advisory shop — write us with a few sentences about who you serve and the kinds of client capital needs you typically see. We’ll set up a quick call and walk through the partner program.