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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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See if you prequalify for a ROBS account in just 60 seconds.

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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
Professional IRA financial worker smiling while working on a laptop

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.

Small business owner - couple
Small business owner - couple

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.

middle aged business man on the phone

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
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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

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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
Trustpilot

Real Entrepreneurs, Real Success

We funded our franchise without a single loan payment. IRA Financial walked us through every step.

Cheryl S.

Franchise owner

Fast, compliant, and transparent — exactly what a first-time business buyer needs.

Barry W.

Small business owner

Ready to start or grow your business?

Unlock access to business capital without penalties, taxes, or taking on high-interest loans.

Get Started

Ready to start or grow your business?

Unlock access to business capital without penalties, taxes, or taking on high-interest loans.

Get Started