401(k) Business Financing

Start your business debt-free and cash-rich.

It shouldn't be so hard to get small business or franchise financing.

Local banks decline 80% of aspiring small business owners for loans. Few people have enough money on hand to start or buy a business or franchise outright. Why struggle with these barriers when you have the money to invest in yourself?

Easy Qualification

You don’t need collateral or a perfect credit score to receive financing.

Debt-Free

Don’t let interest payments control your business decisions. Get funded without going into debt.

Cash-Rich

Find a quicker path to success and profitability by starting out with an infusion of cash.

Get Money for Your Business in 3 Easy Steps

Pre-qualify

See your financing options and how much funding you can access with our two-minute pre-qual.

Schedule a Call

Schedule a call online with a financing expert to discuss the right funding options for you.

Get Funded

Get your money to start or buy a business. ROBS funding can be accessed in as little as three weeks.

See How Much Money You Qualify For Today

Receive a list of funding options tailored for you.

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The Benefits of 401(k) Business Financing

Why should you use Rollovers for Business Startups to finance your small business or franchise? ROBS offers benefits not found in other forms of financing.

Debt-Free

Without loan interest to pay, you can make money faster. While 80% of small businesses fail within four to five years, small businesses started with ROBS are twice as likely to remain in business.

Invest in Yourself

It’s your money — use it. Instead of placing your money in a volatile market, you can make your money work for you. The number one reason people decide to open their own business is to be their own boss — now it’s your turn.

Cash-Rich

Start your business off strong. ROBS lets your business start out flush with cash, making those startup costs much more manageable.

Down Payment for Other Financing

Your ROBS funding can also help you pursue other forms of financing, like SBA loans.

No Collateral

Many other forms of financing, such as bank loans, require you to provide collateral to qualify for funding. With ROBS, you eliminate the risk of using your home as collateral.

Easy Qualification

Unlike SBA loans, ROBS financing doesn’t require industry experience. And unlike other forms of financing, your credit score doesn’t play any factor in getting your funding.

Grow With Guidant's Business Services

Guidant Financial is the industry leader in 401(k) business financing. We complete more Rollovers for Business Startups transactions each year than any other company and have the lowest audit rate in the industry.

For $4,995, here’s what you can expect from Guidant:

Professional Support

Our team is here to support you through the ROBS process and beyond. Along with a dedicated Account Manager, you’ll get a thorough compliance review from our in-house attorneys.

Audit Protection

We stand behind our clients 100%. In the unlikely event of an IRS audit we’ll cover all legal costs, which saves you money and allows you to get back to what’s important — running your business.

Funding Assurance

We promise a rapid close with a money-back guarantee; we do what it takes to close deals quickly.

Outside Counsel

We’re the only firm that offers an outside, independent attorney (at our expense) to review your transaction and ensure you receive unbiased advice that prioritizes your needs.

Guidant Guarantee

If you are not completely satisfied with our set up services, just let us know. Our team is dedicated to providing only the best experience for our clients.

In-House Plan Management

Our in-house team of experts will help establish your account. They’ll also help keep your files IRS-compliant and provide you with an annual business valuation.

Most Retirement Plans Qualify

You don’t have to be a financial expert to use 401(k) business financing. All you need is at least $50,000 in a rollable retirement or pension account. Learn more about retirement or pension plans that qualify.

401(k)

This plan is usually sponsored by an employer. It is the most common plan used with ROBS.

Traditional IRA

This plan lets you invest pretax income that grows tax-deferred. Roth IRAs, in contrast, are not eligible for ROBS.

403(b)

This plan is available to individuals like employees of nonprofit organizations, public schools, and some hospitals.

Keogh

This plan is a tax-deferred pension plan available to self-employed individuals or unincorporated businesses.

TSP

A defined contribution plan for U.S. civil service employees, retirees, and some members of the military.

SEP

A straightforward retirement plan that any employer or self-employed individual can establish.

Use ROBS as a Down Payment for Your Franchise or Small Business Loan

You don’t need to have enough funds in your retirement plan to completely cover the costs of your business needs. Instead, combine small business financing methods by using your ROBS funding as the down payment on an SBA loan — without triggering any tax penalties or draining your personal savings.

Client Stories

Ready to take the next step?

Get in touch with a Guidant expert to find out which programs, and how much, you qualify for.

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