01
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.
02
$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.
03
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.
04
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.
05
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.
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.