Your members are exactly who SBA was built for: established operators with the cash flow to qualify, but without the bandwidth to navigate a bank’s 30-document underwriting process. We handle that side of the work. You stay focused on the business side of the relationship — and earn a revenue share at funding.
Established operators with 2+ years of tax returns, ready to acquire, expand, or refinance high-cost short-term debt. The borrower profile that wins SBA 7(a) credit committees is the borrower profile in most successful mastermind groups.
We package the file, route it to the bank whose credit committee fits, manage closing logistics, and keep you looped on every milestone. Your job ends at introduction.
Real revenue share at funding — paid within 30 days of close, no claw-backs, no time-based decay. The economics are shown to you before close so the payout is never a surprise.
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.
Not every mastermind member needs SBA — but the ones who do often need it for one of these structures. If a file fits a pattern below, send it.
Operator buying a business in their industry. SBA 7(a) up to $5M (or more with 7(a) Express + collateral).
Owner buying out a retiring partner. Common structure: long-term SBA at fixed Prime + spread.
Established business needs $50K–$350K for inventory, AR, hires, marketing. Credit-Based pricing — no collateral required.
Refinancing MCAs, factoring lines, or term debt > Prime + 6% into a 10-year SBA fixed rate. Almost always cash-flow positive day one.
Buying the building you operate from. SBA 7(a) (90% LTV) or 504 (90% LTV with low fixed rate on the second mortgage).
Buying into a franchise system. SBA financing built around the franchisor's FDD. We've placed across more than 20 franchise systems.
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.
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 member's file is on.
You introduce, we take the file. 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 member without having to check in.
Yes. For mastermind groups and franchise networks that send us multiple files a quarter, we customize the program — group-wide referral economics, co-marketing support, member-only webinars, and a custom packaging guide for your community.
None. Refer to whoever fits the file best. We just want to be on the short list when SBA is the right structure.
Mastermind, coaching practice, franchise network, member community — write us with a few sentences about who you serve and what files you’d typically send. We’ll set up a quick call and design the program around your community’s cadence.