Rollover for Business Startups (ROBS)

Use Retirement Funds to Launch

Rollover for Business Startups lets you invest eligible retirement savings into a new company without taxes or early withdrawal penalties. The structure creates a C corporation, establishes a new qualified plan, rolls funds into that plan, then the plan purchases employer stock so capital lands in the business. The IRS recognizes ROBS and stresses strict compliance with plan rules and fair market value for stock.

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GBFSI designs banker grade packages and coordinates specialists so your ROBS 401k financing aligns with runway, payroll, equipment, and franchise or acquisition timelines. We also benchmark when to combine ROBS with conventional credit for working capital. For debt options later in the journey, consider Business Loans for Start-Ups or SBA 7(a) Loans as traction builds.

Key Benefits

Predictable monthly payments, fixed

Lower cost than short-term funding

Terms matched to asset cash flows

Supports expansion, refinance, capex

Works with SBA and bank partners

#Who Qualifies

How a ROBS Plan Works

You form a new C corporation, adopt a qualified retirement plan, and roll prior eligible funds into that plan. The plan buys newly issued employer stock at fair market value, placing cash in the corporate account for operating needs. Ongoing administration includes plan testing, annual filings, and independent valuations when required. Done correctly, this is debt free capital. It demands careful documentation to avoid prohibited transactions.

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#Approval Path

Who It Best Serves

Founders with meaningful retirement balances who want debt free funding to buy or start an operating company, including franchises and acquisitions. Sponsors should be ready for corporate governance, plan oversight, and annual compliance costs. Market guides highlight benefits like avoiding monthly debt service and meeting equity needs for loans, while warning that retirement savings are at risk if the venture underperforms.

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# Why GBFSi Wins

Why Choose GBFSI

GBFSI coordinates attorneys, plan administrators, and valuation professionals so your ROBS transaction meets IRS and ERISA expectations from setup to funding and beyond. We map capital needs to milestones, then plan for a future refinance into bank products as revenue stabilizes. Our secure application, lender relationships, and disciplined process help you move from evaluation to funding with clarity and predictable timing.