Building What’s Next
for Main Street
Building What’s Next
for Main Street
We create category-defining businesses that solve key challenges for U.S. small businesses.
We create category-defining businesses that solve key challenges for U.S. small businesses.
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IRG exists to help MainStreet
Businesses Thrive
IRG exists to help MainStreet
Businesses Thrive
We back bold ideas with real capital and veteran operators who’ve shipped, scaled, and survived before. Our teams don’t chase valuations — they build foundations. Long-term funding gives them the freedom to build for national scale from day one.
in financial aid for SMBs
Project Completed
Small Businesses Helped
Project Completed
Marketing Reach
Project Completed
Team
Quiet Experts, Loud Results
Team
Quiet Experts, Loud Results
Alumni of Goldman, CME, Google, Microsoft, and others—collectively behind more than a dozen exits—bring hands-on expertise in capital, data, and AI, arming IRG companies with an unfair head start.
Howard Makler
Founder & Chief Executive Officer
Reach Comes Standard
Reach Comes Standard
Reach Comes Standard
From broadcast partners to community banks, the IRG network brings national reach. The result: traction from day one—and trust where it matters most.
Our services
We bring Modern tech to legacy industries
Our services
We bring Modern tech to legacy industries
Capital‑Access FinTech
Most SMB failures trace to cash-flow drought, not competition. Embedded underwriting on real-time data enables cheaper, faster capital delivery—especially critical during shocks. The infrastructure layer here becomes a permanent wedge into lending economics.
AR Financing
Working‑Capital Card
Disaster‑Relief Line
Capital‑Access FinTech
Most SMB failures trace to cash-flow drought, not competition. Embedded underwriting on real-time data enables cheaper, faster capital delivery—especially critical during shocks. The infrastructure layer here becomes a permanent wedge into lending economics.
AR Financing
Working‑Capital Card
Disaster‑Relief Line
Gov‑Incentive Platforms
Main Street captures a fraction of the tax credits, grants, and guarantees it’s eligible for. Infrastructure that translates regulatory code into cash unlocks massive net-new capital for small businesses and compounds alongside policy churn.
ERC Credit
R&D Credit
FEMA / SBA Aid
Gov‑Incentive Platforms
Main Street captures a fraction of the tax credits, grants, and guarantees it’s eligible for. Infrastructure that translates regulatory code into cash unlocks massive net-new capital for small businesses and compounds alongside policy churn.
ERC Credit
R&D Credit
FEMA / SBA Aid
Insurance & Risk Tech
Small businesses face underwriting friction and chronic under-coverage due to analog distribution and product fragmentation. Digital bind‑in‑minutes policies, IoT-fed pricing, and parametric payouts create margin and defensibility for whoever owns the risk layer.
Bind-in-Minutes GL
Parametric Weather
Claims Automation
Insurance & Risk Tech
Small businesses face underwriting friction and chronic under-coverage due to analog distribution and product fragmentation. Digital bind‑in‑minutes policies, IoT-fed pricing, and parametric payouts create margin and defensibility for whoever owns the risk layer.
Bind-in-Minutes GL
Parametric Weather
Claims Automation
Workforce & Payroll Tech
Today’s SMB workforce blends W‑2, 1099, and global contractors—creating payroll complexity and compliance risk. Centralized engines that unify pay, benefits, and classification serve as sticky system-of-records for downstream financial tools.
Unified Payroll API
Earned-Wage Access
Benefits Marketplace
Workforce & Payroll Tech
Today’s SMB workforce blends W‑2, 1099, and global contractors—creating payroll complexity and compliance risk. Centralized engines that unify pay, benefits, and classification serve as sticky system-of-records for downstream financial tools.
Unified Payroll API
Earned-Wage Access
Benefits Marketplace
Ops & SMB SaaS
Most SMBs run core ops—inventory, invoicing, fieldwork—on brittle spreadsheets. Vertical SaaS that embeds fintech monetizes through throughput gains and serves as a real-time data spine for lending, insurance, and compliance.
Modern POS
Invoicing & A/R
Inventory Control
Ops & SMB SaaS
Most SMBs run core ops—inventory, invoicing, fieldwork—on brittle spreadsheets. Vertical SaaS that embeds fintech monetizes through throughput gains and serves as a real-time data spine for lending, insurance, and compliance.
Modern POS
Invoicing & A/R
Inventory Control
Commerce Enablement
Distribution is Main Street’s most expensive bottleneck. Drop‑ship, affiliate, and marketplace rails expand revenue without adding overhead—while creating shared demand data useful for credit and risk modeling.
Affiliate Marketplace
Dropship Rails
Subscription Billing
Commerce Enablement
Distribution is Main Street’s most expensive bottleneck. Drop‑ship, affiliate, and marketplace rails expand revenue without adding overhead—while creating shared demand data useful for credit and risk modeling.
Affiliate Marketplace
Dropship Rails
Subscription Billing
Compliance Automation
Thousands of regulatory changes land each year. Infrastructure that silently handles licensing, tax filing, and disaster‑zone relief creates a high-trust substrate for other financial services to plug into.
License Tracker
Sales Tax Remittance
Disaster-Zone Tax Relief
Compliance Automation
Thousands of regulatory changes land each year. Infrastructure that silently handles licensing, tax filing, and disaster‑zone relief creates a high-trust substrate for other financial services to plug into.
License Tracker
Sales Tax Remittance
Disaster-Zone Tax Relief
Our Work Process
From idea to impact—our process makes it easy, exciting, and effective!
Our Work Process
From idea to impact—our process makes it easy, exciting, and effective!
1
Discover & Strategize
We dive deep into understanding your brand, goals, and audience. Through collaborative discussions and research, we craft a clear roadmap tailored to your needs.
2
Build & Launch
Our creative team gets to work, blending innovation with strategy to design visuals, content, and assets that resonate with your brand. Every detail is refined to perfection.
3
Discover & Strategize
We dive deep into understanding your brand, goals, and audience. Through collaborative discussions and research, we craft a clear roadmap tailored to your needs.
1
Discover & Strategize
We dive deep into understanding your brand, goals, and audience. Through collaborative discussions and research, we craft a clear roadmap tailored to your needs.
2
Build & Launch
Our creative team gets to work, blending innovation with strategy to design visuals, content, and assets that resonate with your brand. Every detail is refined to perfection.
3
Discover & Strategize
We dive deep into understanding your brand, goals, and audience. Through collaborative discussions and research, we craft a clear roadmap tailored to your needs.
1
Discover & Strategize
We dive deep into understanding your brand, goals, and audience. Through collaborative discussions and research, we craft a clear roadmap tailored to your needs.
2
Build & Launch
Our creative team gets to work, blending innovation with strategy to design visuals, content, and assets that resonate with your brand. Every detail is refined to perfection.
3
Discover & Strategize
We dive deep into understanding your brand, goals, and audience. Through collaborative discussions and research, we craft a clear roadmap tailored to your needs.
Highlighted Partners
Lorem Ipsum this is a placeholder text. We started as a small group of passionate creators who believed that great ideas deserve bold execution. What began over coffee-fueled brainstorming sessions has grown into a thriving digital agency dedicated to helping brands stand out.
As COVID relief went unclaimed, Innovation Refunds stepped in to help business owners get their share. IRG partnerships scaled the message — Ty Burrell on TV, iHeartRadio for daily reach, and community banks for local trust.
6,000
National TV prime-time airings
250+
Radio Markets
100+
Bank Partners
View Website
Coming Soon
Highlighted Partners
Lorem Ipsum this is a placeholder text. We started as a small group of passionate creators who believed that great ideas deserve bold execution. What began over coffee-fueled brainstorming sessions has grown into a thriving digital agency dedicated to helping brands stand out.
As COVID relief went unclaimed, Innovation Refunds stepped in to help business owners get their share. IRG partnerships scaled the message — Ty Burrell on TV, iHeartRadio for daily reach, and community banks for local trust.
6,000
National TV prime-time airings
250+
Radio Markets
100+
Bank Partners
View Website
Coming Soon
Curious about partnering with IRG?
Curious about partnering with IRG?
Don’t let your ideas sit idle—slide into our inbox and let’s make magic!
Don’t let your ideas sit idle—slide into our inbox and let’s make magic!