401k / IRA Rollover for Business (ROBS)
ROBS 401k business financing allows you to use your existing retirement funds such as 401k to start, buy, or grow a business without early withdrawal penalties, without taking on debt, and without paying taxes on the funds you use.
A Retirement Rollover for Business, commonly known as ROBS (Rollover for Business Startups), is one of the most powerful and underutilized funding strategies available to entrepreneurs and business buyers today.
What Is a ROBS?
A ROBS is a legal funding structure that allows you to invest your 401(k), IRA, or other eligible retirement funds directly into your business — tax and penalty free. It is not a loan, not a withdrawal, and not a taxable event. Instead, your retirement funds are rolled into a newly created corporate retirement plan that invests directly in your business.
The result is debt-free business funding using capital you’ve already earned with no monthly payments, no interest, and no debt on your balance sheet.
Because this is a legal but complex structure, it must be set up correctly by a qualified ROBS specialist. Our team works with trusted partners to ensure your rollover is structured properly and remains compliant.
Who is this for?
Startups & New Businesses Don’t have the revenue history or credit profile to qualify for traditional financing? If you have retirement savings, ROBS gives you access to capital without taking on debt or waiting on lender approvals.
Business Acquisitions Purchasing an existing business requires significant capital. ROBS allows you to fund all or part of the acquisition using retirement funds -keeping you debt-free from day one.
Franchise Purchases Franchisors and franchise consultants frequently recommend ROBS as a funding strategy for new franchisees. Use your retirement savings to cover the franchise fee, startup costs, and initial working capital.
Combining with Other Financing ROBS can be used alongside an SBA loan or other financing to reduce the amount you need to borrow, lowering your monthly payments and improving your debt-to-equity ratio.
Start a Business – Fund your startup with retirement capital and launch debt-free.
Buy an Existing Business – Cover all or part of a business acquisition without traditional financing.
Purchase a Franchise -Meet franchise investment requirements using funds you’ve already saved.
Down Payment on an SBA Loan – Use ROBS to cover the down payment and reduce your borrowing needs.
Working Capital – Inject capital into an existing business without taking on additional debt.
Expand & Scale – Fund growth initiatives without monthly loan payments eating into cash flow.
No Debt - Access capital without loans, monthly payments, or interest
Tax & Penalty Free - Not a withdrawal - no early withdrawal penalties or taxable event
Use Your 401k / IRA - Put retirement funds you've already earned to work for your business
Guided application and process, ongoing support to keep you compliant after funding
GET FINANCING FOR YOUR BUSINESS NEEDS
Running a business is hard. Financing it shouldn’t be.
Our team is here to help you understand and safely rollover your retirement savings into your business!
An Important Note
A ROBS is a powerful tool but it must be structured and maintained correctly to remain IRS compliant. We work with qualified specialists to ensure your rollover is set up properly from day one and stays compliant over time. We always recommend consulting with a financial advisor or tax professional before moving forward.
Required Documents and Qualifications
- Eligible retirement account (401k, IRA, or similar)
- Minimum $50,000 in retirement funds recommended
- Must form a C-Corporation
- Ongoing compliance and plan administration required
- Works best with guidance from a qualified ROBS specialist
- Applicable business formation or acquisition docs
Why work with us?
Navigating a ROBS on your own can be overwhelming and the wrong setup can create serious compliance issues down the road. Our team connects you with trusted ROBS specialists who know exactly how to structure your rollover correctly and keep it compliant.
