IBB connects San Diego business owners and acquirers with private lenders — including self-directed IRA holders — for secured, relationship-based loans that close in weeks, not months.
A private loan is a promissory note between a lender and a business borrower — secured by business assets, real property, or both. No bank committee. No 90-page application. Just two parties who understand the deal.
Self-directed IRA holders can legally lend from their retirement account via promissory notes. Interest payments flow back into the account tax-deferred or tax-free — making private business lending one of the few IRS-approved paths to grow retirement wealth outside the stock market.
Short-term funding while waiting on SBA approval, a pending business sale, or capital tied up in another asset.
Private capital to fund a business purchase — often faster and more flexible than any traditional lender.
Cover growth costs, inventory, or operational needs with flexible, cash-flow-based loan terms.
IRA holders lend from their account via promissory note. Interest flows back into the retirement account tax-advantaged.
How a Private Loan Closes
Business owner or acquirer brings the opportunity with clear capital requirements and a repayment plan.
We evaluate the borrower's financials and match them with compatible private lenders from our network.
Promissory note, interest rate, maturity date, and security interest are formally documented — typically with the business lender or mortgage broker facilitating the transaction.
Capital deployed. If via SDIRA, the custodian executes on the lender's behalf — keeping it IRS-compliant.
Borrower makes regular interest payments. At maturity, principal is returned to the lender in full.
Whether you need capital to grow or a secured place to put it — IBB brings private lenders and business borrowers together with the structure, documents, and local expertise to close quickly.
For Business Owners
Traditional lenders want perfect credit, clean books for 3 years, and collateral you may not have. Private lenders want a business with real cash flow and a clear plan — and IBB makes the introduction.
For Investors & SDIRA Holders
Private business lending offers secured, fixed-return opportunities that banks will never show you. Whether you're deploying personal capital or SDIRA funds — the borrower, terms, and security are all in writing.
From first call to funded note, IBB manages the process so both parties get a clean, documented, professionally structured transaction.
We meet with the borrower to understand the capital need, timeline, business performance, and ability to repay.
IBB reviews P&L, cash flow, and assets — the same factors any informed lender evaluates before committing capital.
We present the opportunity to our network of private lenders and SDIRA holders actively looking to deploy capital.
A transaction attorney prepares the promissory note, security agreement, and any ancillary documents to protect both parties.
Capital is deployed. IBB remains available to support both parties through the loan term and at maturity.
When San Diego capital funds San Diego businesses, the community wins — and so do the lenders who understand exactly what they're funding.
Every dollar invested locally circulates through the community — paying employees, buying from local suppliers, and generating tax revenue.
Funded businesses grow, hire, and thrive. Local investment directly supports employment in the neighborhoods where investors live.
Unlike index funds, private lenders know the business, the owner, and the market. That knowledge produces better underwriting and more confident lending.
Private loans close in 2–4 weeks. SBA loans take 3+ months. In a competitive acquisition market, speed is often the deciding factor.
When you know the borrower and believe in the business, you lend with more confidence — and collect with more consistency.
Capital funds a local business, earns interest, and returns to the lender at maturity — ready to fund the next San Diego opportunity.