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Direct to the bank
No marketplace, no auction, no form blasted to fifty lenders. We pick one bank — the one whose credit committee funds files like yours — and stay with them through close.
The Firm · Since 2016
Senior SBA specialists, direct to the banks that fund 7(a).
Irving Fund is the brokerage we wished existed when we were on the other side of the table. No marketplaces, no call centers, no fees for the borrower. The senior specialist who picks up your call on day one is the same person who walks you through closing.
The origin
We started Irving Fund because the SBA process was broken.
In 2016 we watched too many qualified small-business owners get bounced between brokers who blasted their files to fifty lenders and banks who took six weeks to say no. The owners with the strongest files ended up paying the highest brokerage fees, because the people who needed the money most had the least leverage in the conversation.
We started Irving Fund as the opposite of that model: a team of senior SBA specialists, direct relationships with the banks that actually fund 7(a), and a packaging process built around matching each file to the credit committee that wants it. Most credit-based files clear in 48 hours. Borrowers pay nothing.
We're not a marketplace. We're not a fintech. We're a brokerage built around the idea that an SBA loan should feel like working with a private bank — without needing $5M in deposits to qualify for the service.
Headquartered in New York since day one. Every file routes through Irving Fund to the bank most likely to fund it. The model is simple on purpose.
How we operate
Five principles, every file.
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$0 borrower cost
No application fee. No packaging fee. No success fee paid by you. Our placement fee comes from the bank, at close, after your loan funds. If your file doesn't fund, we don't get paid.
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Soft pull only
You can pre-qualify, get matched to a specialist, and see your rate without a hard credit pull. The bank that funds your loan pulls hard at offer acceptance — you'll know before it happens.
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Senior specialists only
We don't hire entry-level sales reps. Every specialist on the team has placed at least $5M of SBA capital and can underwrite your file before they pitch it to a bank. The person you speak to on day one closes your loan.
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Transparent pricing
Every fee, every rate, every dollar — published at irvingfund.com/rates. If our model can't survive being shown to you, it shouldn't exist.
Why we do this
We love small business because we are one.
Every restaurant owner who refinanced $14k a month of cash-advance debt into $2,400 on a 10-year SBA term, every HVAC contractor who bought out their retiring partner with a 7(a) acquisition loan, every PT practice that opened a second clinic with capital we placed — those files are what we're doing here.
Big banks call them "sub-scale." Marketplaces call them "leads." We call them files — singular files, with owners we know by name. The SBA program exists because the federal government decided small businesses deserve cheaper capital than the market would price them at. We exist to make sure the businesses the program was designed for actually reach it.
The team
One dedicated specialist, start to close.
When you apply with Irving Fund, you're matched with a senior SBA specialist who personally walks you through your loan. Same person, every step. No call-center handoffs, no losing your file between departments.
The network
Direct relationships with the people who actually fund deals.
11+
SBA preferred-lender banks
A nationwide network of SBA preferred-lender banks across NJ, NC, FL, OH, TN, GA, IL, MN, TX, UT, and CA. Each one funds a specific kind of file. Your specialist matches your file to the bank whose credit committee wants it.
Coast-to-coast coverage · Direct credit-committee access
CPA
Accountants & advisors
We work closely with CPAs, bookkeepers, and tax advisors whose clients regularly need capital. Send us a referral and we'll keep you in the loop on the file. Your clients get an SBA specialist; you get a partner who handles the financing side cleanly.
Co-pilot model · You stay in the conversation
M'M
Masterminds & coaches
Mastermind groups, business coaches, and franchise advisors send us files where SBA is the right structure but the owner can't navigate the process alone. We package and place; you stay focused on the business side of the relationship.
Group rates available · Volume programs for franchise networks
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Referral partner program
A formal referral program with revenue share at close. Most partners hear back within one business day, and your clients get the same $0-cost-to-borrower model as any direct Irving Fund applicant.
Become a partnerRefer a deal
Send us a file. We’ll handle the rest.
If you have a client or contact who needs SBA financing, the introduction is the only work you do. We package the file, place it with the right bank, and stay through close. You get paid a referral fee when your deal funds — tracked in real time from the moment the borrower applies.
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Revenue share at close
A meaningful cut of our placement fee, paid within 30 days of funding. No claw-backs, no time-based decay, no hidden math. We show you the deal economics before close so the payout is never a surprise.
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You stay in the loop
Visibility into every step of your file: gate, documents, lender shop, offer, close. You see the same activity feed your borrower’s specialist sees. No black box. No emails to check status.
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No exclusivity
You can refer to whoever fits the file best. We just want to be on the short list. Most partners end up sending us everything after they see how cleanly we close.
Join the team
Hiring senior SBA specialists.
We’re looking for closers who’ve placed real SBA volume — not entry-level reps learning the program on borrower files. If you’ve owned books at a bank, a brokerage, or a marketplace and you’re ready for a model that pays you fairly for the work, talk to us.
Real commissions, no caps, no quota games. NYC HQ, remote OK. The bench is small on purpose — every hire takes the table from one of us, so we hire slowly and seriously.
Headquartered in
New York City.
880 3rd Avenue, 11th Floor.
In the room with the banks. Same time zone as most of our borrowers.
Ready to put your file in the right hands?
Pre-qualify in 60 seconds. A senior specialist reads your file in the next business hour. No credit-score impact when you apply.