401(k) ROBS Plans

Many people don’t realize that they can utilize the funds in their retirement accounts to purchase a franchise tax-deferred and penalty free. This is a process called ROBS or Rollovers For Business Start-Ups. What you are doing is using the retirement money you put aside to invest pre-tax, and investing it instead in yourself and your new franchise business. For this purpose, we partner with a firm that not only specializes in this area of funding, but who pioneered it over 35 years ago and has been helping entrepreneurs use their retirement funds to fund their dream of franchise ownership without making costly loan payments or paying any interest at all.

How It Works

  • Step 1: Create a C Corporation
  • Step 2: Design a New Qualified Retirement Plan
  • Step 3: Initiate the Banking Rollover Process
  • Step 4: Receive Business Funding

We promise…you will not be left alone to figure this out. You will be guided through this process every step of the way.


Advantages of the ROBS

  • Invest your retirement funds in your franchise business without taxes or penalties
  • Use a safe, proven plan based on long-standing provisions of IRS code
  • Use pre-tax dollars to fund your business
  • Gain business equity and an improved cash flow position from day 1
  • Pay yourself a salary from the start
  • Accelerate business profitability by eliminating or reducing interest and debt
  • Secure your funding quickly, often in 2-3 weeks or less
  • Make annual, tax-deductible contributions each year
  • Optimize business equity and value
  • Take full advantage of tax benefits
  • Can use funds as down payment on SBA loan

Eligibility Is Based On

  • Availability of sufficient eligible retirement funds (401(k), IRA, PSP, SEP IRA, 403(b), 457(b))
  • ROTH IRAs are not eligible
  • Minimum $50K required