Start or Grow Your Business Using Your Retirement Funds
Access business capital tax and penalty free using your retirement funds. IRA Financial’s leading ROBS solution is IRS approved and lets you invest your existing retirement savings directly into your business without loans, credit checks, or monthly payments.
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Why ROBS Makes Sense for Entrepreneurs & Business Buyers
- Use retirement savings instead of going into debt
- Avoid high-interest loans or burdensome monthly repayments
- Gain full control of business capital from day one — funds invested directly into your new C-corp
- No credit-score requirement, no loan approval hassles
How IRA Financial’s ROBS Program Works
Is ROBS Right for You?
- First-time entrepreneurs launching a new business
- Franchise buyers or purchasing an existing business
- Business owners seeking expansion capital
- Individuals unable to secure traditional financing
- Professionals ready to turn retirement savings into a “second act”
*Typically best if you have $50,000+ in a prior 401(k), 403(b), TSP or IRA.
What Your ROBS Funding Can Cover
- Franchise purchase or acquisition
- Equipment, inventory, supplies
- Leasehold improvements or real estate
- Payroll, hiring, working capital
- Marketing, advertising, launch expenses
- Any operational expense to get your business going
ROBS Pricing:
IRA Financial vs Other Major Providers
With IRA Financial, you pay significantly less up-front and enjoy a lower monthly cost, making it one of the most cost-efficient ROBS providers among leading firms.
Setup Fee (one-time) | Monthly/onging Fee | |
IRA Financial | $3,500 | $100/month |
Guidant Financial | $4,995 | $139-149/month |
Benetrends Financial | $4,995 | $155/month |
Why Entrepreneurs Prefer IRA Financial
- Lower price point — great value for startup budgets
- Transparent, predictable fee structure (no hidden costs)
- Quick funding timeline (3-4 weeks typical)
- Reliable support and compliance guidance
- Decades of experience in ROBS and alternative retirement strategies
See What Our Clients Have to Say
I've looked at all of the participants in this space and IRA Financial was the clear choice. They were the easiest to work with, answered all my questions and concerns prior to me taking the steps to open the account. The process is straight forward and there are no surprises. My investments in Real Estate have been largely successful. IRA Financial is professional, has great support, and put the customer in the driver's seat.
Online application process was very simple. Any questions I had was quickly responded to by humans and not simply an unintelligent bot. Establishment of my LLC and bank account was very smooth.
I researched several companies before deciding to go with IRA Financial. I am completely happy with my choice. I appreciate that I can ask questions about rules prior to making an investment to make sure I am compliant. I like that I can invest in traditional investments, but also real estate. I have invested in land, rentals, and home flips. Whenever I am speaking with self-employed individuals, I bring up IRA Financial and the idea of opening a Solo 401(k). I think it is a no-brainer for someone who is self-employed and wish I had opened mine up sooner.
Ready to start or grow your business?
Unlock access to business capital without penalties, taxes, or taking on high-interest loans.
