Everything you need to understand your options, run the numbers, and move forward — all in one place. Select a tab to get started.
The SBA 7(a) loan is one of the best financing options for established businesses — long terms, government-backed rates, and high approval odds. Not all 7(a) loans are the same. Select the program that sounds like your business.
Qualify on credit score and revenue — no tax returns, no cash flow analysis, no P&L required.
Full underwriting with cash flow analysis. Best for profitable businesses needing more capital or real estate.
Focuses on credit score and revenue — not profitability. Losses on returns won't disqualify you.
No cash flow analysis means fast decisions. Average 12 business days to funding.
Many businesses reinvest profits, showing little net income on paper. This program understands that.
Approval based on creditworthiness and revenue — not DSCR or complex projections.
DSCR measures whether your income covers debt payments. Traditional 7(a) lenders require a minimum of 1.25x — for every $1.00 in debt, your business must produce $1.25 in net operating income.
Credit-Based SBA does not require DSCR — it qualifies on credit score and revenue instead.
Up to $5 million — ideal for acquisitions, commercial real estate, major equipment, and large-scale expansion.
Full underwriting earns a tighter spread. Loans over $350K cap at Prime + 3.0% — currently ~9.75% APR.
Lenders require DSCR of at least 1.25x. Strong DSCR = better terms, lower rate, larger amount.
Consistent profit and healthy DSCR on tax returns qualifies you for the most favorable terms available.
Purchase owner-occupied commercial property with terms up to 25 years — not available under Credit-Based SBA.
Adjust the sliders to estimate your payment. Rates based on SBA SOP 50 10 maximum spreads.
Prime (6.75%) + 4.5% = 11.25% APR max. Actual rate set by lender — many charge below maximum.
Answer the questions below and we'll show which financing options are available to you — in real time. Options will grey out or disappear as answers narrow your fit.
Government-backed loan that qualifies on personal credit and revenue — no tax returns or cash flow analysis required.
Full underwriting with cash flow analysis. Best for profitable businesses needing larger amounts at a lower rate.
Irving Fund's own flexible capital program — not SBA-dependent, faster than traditional loans, and available when SBA programs aren't an option.
Traditional bank term loan or line of credit — no SBA citizenship requirements, no government guarantee. Underwriting based on credit, revenue, and business financials.
A term loan that qualifies based on 3–12 months of business bank statements rather than tax returns. Ideal for businesses with strong cash deposits but complex tax situations.
A short-term capital product where repayment is tied to a percentage of daily revenue. Fast approval, minimal documentation — but higher cost than term loans. Best used for short-term needs when other options aren't available.
Based on your answers, standard financing programs are not currently available. Annual revenue under $150,000 is the most common disqualifier — as revenue grows, more options open up.
Enter your business financials to calculate your Debt Service Coverage Ratio. Lenders require a minimum 1.25x DSCR for Traditional 7(a). Credit-Based SBA does not require DSCR.
| Feature | Credit-Based SBA | Traditional 7(a) | IDRAW | Revenue Advance |
|---|---|---|---|---|
| Min. credit score | 680+ | 660+ | Flexible | 600+ |
| Annual revenue | $150K+ | $150K+ | $150K+ | $150K+ |
| Max amount | $350,000 | $5,000,000 | Contact us | Varies |
| Cash flow required | ✕ No | ✓ Yes | ✕ No | ✕ No |
| Tax returns required | ✕ No | ✓ Yes | ✕ No | ✕ No |
| U.S. citizenship | ✓ Required | ✓ Required | ✕ Not required | ✕ Not required |
| Time to fund | 1–2 weeks | 4–5 weeks | Fast | 24–48 hours |
| Cost | Low (govt-backed) | Lowest | Moderate | Highest |
We assess your structure, industry, revenue, and credit. No tax returns needed for Credit-Based SBA.
We identify the best lender from our network. All fees reviewed upfront — no surprises. Every lender has its own rules; we know them.
Some lenders use our portal, others provide a direct link. We guide you until funds are in your account — avg. 12 days for Credit-Based SBA.
Irving Fund performs a soft pull only. A hard pull may be required by some lending partners at funding — you'll always be notified first.
Not all business financing is created equal. Here's a plain-English breakdown of every product type so you can compare apples to apples.
A term loan partially guaranteed by the U.S. Small Business Administration. Because the government backs a portion of the risk, lenders offer lower rates and longer terms than conventional loans.
Irving Fund's proprietary capital program — not subject to SBA rules or government requirements. Faster and more flexible than SBA, with a streamlined application process.
A standard bank loan with no government guarantee. Stricter underwriting than SBA — lenders want strong credit, profitability, and financial history. No citizenship requirements.
A fixed-term loan that qualifies based on your bank deposits rather than tax returns. Think of it as a bridge between traditional lending and faster alternatives — real loan structure, alternative qualification.
Often called an MCA (Merchant Cash Advance) or short-term business loan. Capital is advanced against future revenue, with repayment taken as a daily or weekly percentage of sales. Fast approval, minimal requirements — but significantly higher cost than any term loan.
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Irving Fund is not a bank or an authorized SBA vendor. We partner with a number of banks to facilitate SBA financing for our clients. Irving Fund does not perform a hard credit pull at any point in our process, for SBA LOANS a hard pull may be required by some of our bank partners at the time of funding. You will be notified in advance of this taking place. Rates shown vary based on product, credit determination, state law/minimum loan amounts and lender criteria. Not all applicants will qualify for financing, all loans are subject to credit review and lender approval. We provide business financing through a network of third-party banks and funding providers.
