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401(k) Business Financing - also known as Rollover for Business Startups

Start your business debt-free and cash-rich. Leverage industry-leading expertise to turn retirement savings into business ownership.
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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 Financing

Get Money for Your Business in 3 Easy Steps

Explore financing options
1

Pre-qualify

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

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Review with an expert
2

Schedule a Call

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

Schedule a Call
Get your business funded
3

Get Funded

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

Get Started Now

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.
Pre-Qualify Today

Start Your Business with Confidence - with Guidant!

Leverage industry-leading expertise to turn retirement savings into business ownership. With a proven and reliable ROBS process, coordinated banking, compliance assurance and lifetime audit protection, you get a one-stop shop that reduces risk, eliminates handoffs, and helps you launch faster with confidence.

Starting at $5,495, here’s what you can expect:

Industry Leading Expertise

With 20+ years of experience, we deliver industry-leading compliance with full audit protection and ERISA-attorney access—giving you peace of mind that your plan is accurate and protected from IRS issues so you can focus on growth.

Lifetime Audit Protection

We stand behind our work. With lifetime audit protection, we are the only ROBS provider that offers compliance guidance and covers qualified attorney defense fees if the IRS ever audits your plan—so you’re not facing it alone.

One-Stop for Your Business

A one-stop shop for ROBS, SBA, payroll, tax, bookkeeping, and business valuations – so you streamline operations, cut costs, stay compliant, and focus on growing your business.

Financial Strategy

Tailored financial strategies with one-to-one, consultative guidance – giving you clarity and confidence to reach your goals while avoiding costly missteps and compliance risks.

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.
Start Building Your Future

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.
Check Your Eligibility

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.
Learn More About SBA loans

What Guidant Customers Have to Say

"Guidant didn’t just help us with funding. They helped us believe that someone like me, a digital media guy with zero golf experience, could make this happen."
– Andre Liloc
– Andre LilocCoos Bay Golf Course
“It just made sense. I could use pre-tax dollars I’d already earned — and instead of letting that money sit in the market, I could invest it directly in myself."
– Joe & Denise Carbone
– Joe & Denise CarboneThe Welsh Baker
"If you are going to do a ROBS, why not keep it with the people who actually are experts? It's going to save you a ton of time, frustration, and paperwork in the business."
– Mike Brown
– Mike BrownFlying Locksmiths
“The ROBS program that Guidant helped me through has really made retirement not just possible but opened up an income and way of life that I wouldn’t have had if I left my funds in a traditional 401(k).”
– Terri Candelaria
– Terri CandelariaSpringerville Smoke

Learn more about Client Success 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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Get The eBook

Everything You Need to Know About Rollovers for Business Start-Ups (ROBS)

This eBooks includes:

1

The steps to fund your business debt-free in as little as three weeks.

2

How to structure your corporation according to IRS guidelines.

3

Tips to control your future and direct your retirement funds.

4

How to earn a salary, save for retirement and be your own boss.

LEARN TO START DEBT-FREE

Download the eBook

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