Blog Banner for Why Use Guidant for Small Business Financing

As the most experienced ROBS provider in the country, we help entrepreneurs gain access to small business financing everyday. Learn how our full suite of financing can get you into business quickly.


Becoming a business owner is an exciting and overwhelming time. On the one hand, you’re about to take the leap into entrepreneurship — claiming your independence and breaking away from corporate America. One the other hand, you’re the boss now and the responsibility of important decisions falls to you.

Of these important decisions, one of the earliest you’ll make is how to finance your small business. Unless you have enough cash in the bank or a wealthy friend or family member who wants to invest, you’ll likely begin looking for an avenue that can help you obtain enough funds to get started.

Paying a company to help you get access to business financing can feel discouraging, and it’s easy to see why. Purchasing a business or funding the launch of a start-up is a serious financial commitment, and you probably want all of your hard earned savings to go directly toward your business. This is just part of the reason selecting a small business financing partner should not be taken lightly.

At Guidant Financial, we’re proud of the relationships we build with current and aspiring business owners, but we also recognize Guidant’s services may not be the best fit for every single entrepreneur. This is why a large part of what we do is not just to help business owners find the right financing solution, but provide education about the best long-term small business financing decisions for you and your company.

Here’s an overview of what it’s like to work with Guidant as well as some of our most popular services.

What is it like to work with Guidant Financial?

Getting started with Guidant is easy and is designed to accommodate your busy schedule. The first step we recommend, for any entrepreneur looking for small business financing, is to take advantage of our pre-qualification tool. This short questionnaire can be completed online in minutes and provides useful high-level information like which funding programs you’re qualified for and what your total funding amount is. Many entrepreneurs are excited to learn they’re already qualified for more small business financing than they expected. This tool is free, available to anyone and does not impact your credit score. You can find the prequalification tool here.

We recommend the pre-qualification tool not only so you can get a better understanding of your total funding amount, but also which products you’re qualified for. Some products such as Small Business Administration (SBA) loans have more strict criteria that need to be met, and others like Rollovers for Business Start-ups (ROBS) have minimal qualifications. Often times, qualifying for more than one product means you may have the ability to combine financing methods and greatly increase your buying power.

Guidant’s team of financing experts has experience assisting business owners across all industries and with widely varying budgets. Our financing solutions are tailored to put your new business on the path to success. Looking for more buying power? We can help you combine financing options to increase the cash available for business funding. Not comfortable taking on debt? Many of our clients choose equity-based financing solutions for that reason. Don’t understand your options? No problem — we know that even though 75 percent of aspiring entrepreneurs use Internet searches for business funding research, the web can be misleading. That’s why our primary goal is help you understand all of your options before moving forward.

Why use Guidant for 401(k) business financing?

The ROBS arrangement, also known as 401(k) business financing, allows entrepreneurs to use eligible retirement funds for small business funding. The entire process consists of approximately five steps and can be completed in as little as one to three weeks. Though the process is relatively simple, it’s extremely important that the movement of money is done so in accordance with IRS and DOL laws and guidelines.

Though this alternative funding method is still gaining popularity among aspiring entrepreneurs, ROBS has many benefits including fast funding, no credit score or collateral requirements and because it is not a loan, ROBS funding is debt-free. If you determine ROBS is the right financing option for you, there a few reasons that Guidant is the best partner to help you get funding.


Learn more about your funding options: Pre-qualify Today.


Outside Legal Counsel

One of the most important things you’ll come to understand when learning about ROBS is whether or not your future business is a good fit. Though most business models are structurally a great fit for ROBS funding, there are a few, such as passive investments, that don’t meet the criteria. To best protect you and your retirement funds, Guidant pays for you to discuss your business with outside legal counsel. This attorney represents you and your business, not Guidant, but comes at no cost to you.

In-House Plan Administration

As a part of the ROBS funding structure, your new company will sponsor a 401(k) plan, which will be accessible for eligible employees of your business including yourself. As the business owner and plan sponsor, you’ll be responsible for maintaining the plan and completing annual filings. Guidant financial recognizes that most people don’t go into business ownership with the goal of becoming a 401(k) plan administrator, which is why we offer in-house administration services. We serve as the retirement plan experts, guiding you in maintaining the plan and completing annual filings, so you can focus on running your business.

Spotless IRS Record and Audit Protection

Using your retirement funds to finance your business means there’s a possibility your 401(k) plan could be selected for an audit by the IRS. This chance is extremely small (less than about 5 percent), but when an audit does occur it can be stressful and timely. As a part of the plan administration services, we provide full audit protection. This means if your 401(k) plan is audited, Guidant will pay for legal representation and guide you through any and all communications and proceedings with the auditor. We’re proud to report that none of our clients’ IRS audits have had any issues resulting from their funding structure.

Why use Guidant for SBA Business Loans?

An SBA small business loan is a reliable form of traditional debt-based financing, which offers attractive repayment terms and low interest rates. While it’s possible to find and apply for an SBA loan without the help of a third party, Guidant’s SBA loan packaging services can help you save time, secure better rates and it’s risk free.

Save Time and Money

As a budding small business owner, your time is both extremely limited and valuable. And applying for an SBA loan is a timely process. Guidant’s loan consulting teams helps to streamline this process by sending your application to multiple lenders rather than one at a time. We’ve established relationships with banks across the country, so we’re able to send your application to the lenders who are most likely to fund your business.

Combine Financing Methods

One of the biggest hurdles when it comes to qualifying for an SBA loan is coming up with the down payment, which is typically about 25 percent of the total loan amount. Because we offer a full suite of financing services, we’re able to help you combine financing methods to improve your likelihood of being approved for a business loan. In fact, many of the business owners we support use ROBS funding as the down payment for a business loan — both increasing their attractiveness as a borrower and raising the ceiling on their buying power.

Risk-Free Financing

As a part of the educational process, we’ll help you determine if you’re a well-qualified candidate for an SBA loan. If not, we’ll discuss actions you can take to become a better-qualified borrower, such as improving your credit score. However, if you complete the loan application process and are not approved for a loan, you’ll receive a full refund for the cost of loan packaging services.

We’ve helped over 16,000 entrepreneurs access $4.2 billion in small business financing, and help aspiring business owners achieve their dreams everyday. As the most experienced ROBS provider in the country, we’d love the opportunity to learn about your goals as a small business owner and how we can help support you along the way. Feel free to give us a call or get started online with our pre-qualification tool here.

See how much funding you prequalify for with Guidant Financial

Ready to take the next step?

Get in touch with a Guidant Financial expert to find out how much, small business funding
you qualify for and which program is right for you.