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.
Schedule a free consultation to learn how to fund your business with retirement savings.

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
We form your C Corp and set up a 401(k) plan
IRA Financial handles the entire incorporation process and establishes a new 401(k) plan for your business.
You roll over your retirement funds tax free
Transfer funds from your existing retirement account into the new 401(k) without triggering taxes or penalties.
Your 401(k) invests in your business
The new 401(k) purchases stock in your C Corporation, providing you with working capital to fund your business—whether for equipment, payroll, marketing, or growth.

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
Before contacting IRA Financial Group, I conducted an extensive market research on Solo 401K providers. From the initial phone call, I was impressed with the professionalism, the wealth of information provided, the caliber of services. I commend the firm for the technically advanced and secured process they have in place for the transfer of documents and payments processing.
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 decided to open a Self-Directed IRA because I wanted to invest in real estate projects. Also, having control of my money was a big motivating factor as well. Being able to decide where and when to invest has been very successful for me. All the real estate projects I have selected have been solid investments. I have recommended IRA Financial to friends and family.
Ready to start or grow your business?
Unlock access to business capital without penalties, taxes, or taking on high-interest loans.
