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HOW IT WORKSIDRAW
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Instant Business cashflow when you need it.

Peace of mind, when you don't.

Activate
Flexible. Fast. Fair.

Designed for modern business owners who value control. Draw funds anytime, pay only for what you use, and re-draw as you pay down.
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Faster approvals, fewer roadblocks, and no impact to your credit score when you apply.

IDRAW 

Flexible working capital — on your terms.

Access funds instantly when you need them, pay only for what you use, and save money by paying off early. IDRAW Bridge Line is built for business owners who want freedom, not fixed schedules. Setup takes minutes, and your account can be active the same day.

The Details
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Up to $500,000 per draw
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Monthly or Twice-Monthly Payments
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4 to 24 Month Terms Lengths
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No Prepayment Penalties- Save When You Pay Early
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Same Day Activation
IDRAW – Platinum Early Payoff Simulator

IDRAW Platinum — Early Payoff & Savings

Set your draw. You can always re-draw later.
0 of 12 (monthly)
Months elapsed (linear interest)
0.00 mo
Natural Max (12 mo total)
$112,000.00
Scheduled Payment (12x)
$9,333.33
Paid so far
$0.00
Payoff before next payment
$100,000.00
Early Payoff — pay today
$100,000.00
Your Savings vs letting it run
$12,000.00
Formula: NaturalMax = Draw × (1 + 0.01 × 12). Payment = NaturalMax ÷ N. MonthsElapsed = paymentsMade (monthly) or paymentsMade × (12/26). PayoffBeforeNext = Draw × (1 + 0.01 × MonthsElapsed). EarlyPay = PayoffBeforeNext − (Payment × paymentsMade). Savings = NaturalMax − (PaidSoFar + EarlyPay).

Why IDRAW Works

  • Save by paying early. Every month you shave off is 1% less you repay.
  • Control your balance. Draw only what you need, when you need it.
  • Simple math. No compounding surprises.
  • Choose your cadence. Monthly (12) or Bi-Weekly (26).
  • Fast setup. Approvals and activations are streamlined.
Platinum example shown (12-month structure). Terms vary by program tier.
Apply Now

Looking for longer term financing?

EXPLORE Sba options
Carson L
Our account was activated in minutes. Thank you Dylan for a seamless process. We will repay in a few weeks once our AR hits.
Property Management Company - Reno, NV
Sean A
Home Builder - Steam Boat Springs, CO
Irving Fund has been an asset to my firm. Scott has helped me arrange several loans over the year from equipment financing to SBA and LOC. He is always upfront and sees the value in long term relationships. He gives me a fair deal each time.
Juan S
Transportation Business - Sarasota, FL
Working with Evan and Irving Fund was a great experience. After speaking with several companies Evan helped us get an SBA Bolt loan. It seemed like the other lenders were looking to push other more expensive products, while Evan went the extra mile to make sure we received the best loan we qualified for.
Joan W
Home Health Care Business - Knoxville, TN
Scott helped me set up a line of credit the same day. The rates and terms were as advertised and we can control the line whenever we have a need. It was a very easy, no nonsense process.
Bert D
Marketing Agency - Piedmont, CA
Thank you Irving Fund for getting me a line of credit instead of one of those weekly payment loans!
Stay Up To Date With The Irving Fund Report.
Your go-to for straight talk on business financing from a knowledgeable and trusted source.
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You Have Questions.
We Have Answers.

Will there be a hard credit check?
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We will only do a soft pull to place you with your bank.  A small portion banks still do a hard pull at the time of funding but you will be notified if your bank requires a hard pull in advance.
How long until the money is in my account?
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The time for funding varies on the program, but we have SBA options that can fund in as little as 10 days.
What if I’ve been previously declined?
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You may still qualify for an SBA loan; banks now approve applicants based on credit, not just cash flow.
See All FAQs >
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Stay informed.
Keep up to date with news about all things SBA-related.
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© IDRAW LLC  2025

IDRAW LLC is not a bank or an authorized SBA vendor. We partner with a number of banks to facilitate SBA financing for our clients. IDRAW LLC does not perform a hard credit pull at any point in our process. Rates shown vary based on product, credit determination, state law/minimum amounts and other criteria. Not all applicants will qualify for financing, all products are subject to credit review and final approval.