401K Business Funding
Quick Summary
This is not a franchise. It is a way to fund your new business. Did you know you are allowed to convert your 401K or IRA account into cash to buy a small business without incurring any taxes or penalties? Over the past 20 years, we have helped hundreds of clients do just that using our 401K Business Funding Plan. And our fee has always been 40% lower than what other firms charge. (You will need more than $50,000 in your 401K to qualify.) Learn more now!
*Please contact "401K Business Funding" to confirm the accuracy of any information provided on this page.
401K Business Funding
Business Cost, Fees & Facts for 2026
| Minimum Cash Required | $20,000 |
Available In These States:
- Overview
- Testimonials
401K Business Funding
HOW TO USE YOUR 401K TO BUY A FRANCHISE
Did you know you are allowed to convert your 401K into cash to buy a small business without incurring any taxes or penalties.
Over the past 20 years, we have helped hundreds of clients do just this with our 401K Business Funding Plans.
HOW DOES THIS WORK?
With the adoption of a 401K business funding plan, you are allowed to convert your 401K into privately-held stock in your new business with no taxes or penalties due.
For this tax-deferred transfer, we create a 501A trust and couple it to special “exemption clauses”.
In this way, you would not be “cashing out” your 401K. When you invest these savings into a business, the IRS accepts this as a tax-deferred “rollover,” which allows you to keep the 35% to 40% you would have paid in early-distribution taxes and invest that extra money in the business. It’s pretty much a no brainer.
We have helped hundreds of clients over the past two decades get tax-free access to their 401K, 403B, 457, and IRA funds to buy or startup their own businesses.
This is a great alternative to borrowing money from a bank since you won’t have to pay back any principal or interest payments.
WHY PICK US?
- For starters our fee is 40% lower than other firms.
- Unlike others that require their fee upfront, we don’t charge a dime until after our clients receive all of their money.
- The other firms charge $1,600 or more a year in plan maintenance fees. We don’t charge a dime.
- We have a reputation of helping clients years later at no cost.
MORE CASH TO BUY YOUR FRANCHISE
With the example below, for every $100,000 you rollover from your 401K, you get to keep $41,000 you would have paid in taxes and invest it in your new business.
HERE ARE THE NUMBERS
| COMPARING A "ROLLOVER" TO A "DISTRIBUTION" | CASH OUT YOUR 401K | ROLLOVER INTO A NEW BUSINESS |
|---|---|---|
| Amount in retirement fund: | $ 100,000 | $ 100,000 |
| Mandatory 20% withholding for taxes: | $ 20,000 | $ 0 |
| Cash available to withdraw: | $ 80,000 | $ 100,000 |
| Tax consequences of withdrawal: | ||
| Federal income taxes (at 28%) | $ -28,000 | $ 0 |
| Early distribution penalty (10%) | $ -10,000 | $ 0 |
| State income taxes (2%) | $ 0 | $ 3,000 |
| Total taxes & penalties: | $ 38,000 | $ 3,000 |
| Compare with the cost to set up a 401K Business Funding Plan: | $ 4,950 | |
| Net cash available: | $ 59,000 | $ 95,050 |
| Percent of retirement funds retained: | 59% | 95% |
| Additional cash without taxes & penalties. | $ 54,050 |
HOW TO USE YOUR 401K TO BUY OR START UP YOUR OWN BUSINESS - AND GET A DOWN PAYMENT FOR AN SBA LOAN, IF NEEDED:
How to get an SBA Loan Down Payment
• Last year, the SBA backed 52,000 loans for small businesses.
• The 7A loan can be used to finance any business purpose, including a startup, an acquisition, working capital, salaries, equipment purchases, inventory, and real estate.
• All SBA loans require you to make a down payment ranging from 10% to 30% of the principal. The inability to make a large enough down payment can disqualify you from being approved.
• There are other forms of funding to cover the loan down payment, including tax-free 401K and IRA rollovers.
• If you have socked away savings in a 401K or IRA account, there is a way to use these dormant funds for your SBA Loan down payment.
• For years, SBA lenders required every investor in a new business to have a 20% interest or more to cosign the note. A 401K could not be part of the investment because it could not “encumber itself”.
Request more information now!
Dean, I received my funds today, and I am very excited to begin this new journey. I cannot tell you how much I appreciate the service and professionalism you demonstrated throughout.”Tim Jones
I have been thinking, dreaming, and preparing to have and run my own business since I was a teenager, but today was the first real step towards making it happen. I still don't fully understand all of the steps yet but talking with you and hearing your confidence assured me that everything is going to be fine and you are the right person to get me through this process. Many thanks.Mike Butler
Hello Dean, the exact amount is $205,109.04. Fidelity acknowledged they have all the documents they need to proceed with my tax-free rollover. Again, I want you to know how much I appreciate how you haveRobert Walker
I was a bit skeptical, but after confirming that the money is arriving in my bank account this morning, I am SO PLEASED with your work and due diligence!Enrique Valdez
All is going well for us, and access to our retirement funds has made everything so much easier. Thank you for providing this service! Most people I talk to about the pension trust arrangement are amazed that it is possible and, better yet, pain-free with the support you provide.Linda Moore
You guys are awesome, you are on it!Yes sir, my rollover check just cleared this morning and is available to invest in my new business. I was chatting with my mom and she may be interested in doing the same thing with her 401K.”Charlie Heum
Here are some other suggestions in the same category that you selected :
Purchase A Franchise Using Your Retirement Plan
This is NOT a franchise or business opportunity. This is a service offered to those seeking to purchase a franchise or business using their retirement funds without having to pay the taxes and penalties. You can purchase a franchise or traditional business with a tax qualified retirement plan such as an IRA, 401(k), 403(b), 457(b), SEPs and others.
$ 30,000 Min.Cash Required
Minuteman Press - We Design, Print & Promote...YOU!
Serving the business community for over 50 years, Minuteman Press’ customer service driven business model provides digital print, design and promotional services to businesses. Today we are much more than just print, we can provide anything you can put a name, image or logo on!
$ 50,000 Min.Cash Required
American Business Systems, LLC
American Business Systems has been America's Leader in Medical Billing with Unparalleled Training, and Support for over 25 years. $100k Potential working from anywhere, full-time or part-time. Learn more about this great opportunity!
$ 35,000 Min.Cash Required
FranServe - Become a Franchise Consultant!
As a FranServe franchisee, earn money helping people buy a franchise. Work full or part time from a home office. Comprehensive training and support provided. Learn more about the costs, benefits, and available locations today!
$ 50,000 Min.Cash Required
City Wide Facility Solutions
City Wide offers a B2B franchise opportunity in facility services, managing over 20 maintenance solutions for commercial properties. Franchisees focus on leadership, client relationships, and business growth—not performing the work themselves. With a proven, scalable model, recurring revenue, and strong support, City Wide is ideal for entrepreneurs seeking a purpose-driven business that makes a lasting impact in their community.
$ 200,000 Min.Cash Required
The Commercial Loan Broker Academy
Step into a high-margin, recession-resilient industry with TCLBA’s scalable commercial finance brokerage model—without the overhead, inventory, or complexity of a traditional franchise. As a broker, you’ll connect business owners seeking capital with lenders, supporting financial analysis, loan packaging, lender matching, negotiation, and closing. With TCLBA’s training, lending marketplace, and ongoing support, you can capture deal flow across industries and build repeatable income.
$ 20,000 Min.Cash Required
NTV360
NTV 360 presents a turnkey digital advertising franchise opportunity that delivers a high-margin, recurring revenue model. NTV 360's model allows entrepreneurs to place indoor digital billboards in high-traffic venues, such as restaurants, gyms, and medical offices, at no cost to the business owner. Franchisees generate revenue by selling ad placements to local businesses, tapping into a proven advertising model that requires no employees, inventory, or storefront.
$ 50,000 Min.Cash Required
Voda Cleaning & Restoration
Voda Cleaning & Restoration delivers two franchises in one. Owners operate both cleaning and restoration services across residential and commercial customers, creating multiple revenue streams from a single brand. Powered by centralized marketing, repeat-customer demand, and scalable systems, Voda helps franchisees drive jobs, loyalty, and long-term value—without working harder or spending more.
$ 75,000 Min.Cash Required
Brightway Insurance
Founded in 2008, Brightway Insurance is now the 2nd largest agency franchise network in the U.S., generating over $1.7 billion in annual written premium after acquiring GlobalGreen Insurance Agency in September 2025. Brightway’s promise to entrepreneurs is simple: grow faster here than anywhere else. Franchisees use Fusion, Brightway’s AI-powered platform, while a centralized team handles service, operations, strategy, and marketing to fuel long-term success and client satisfaction.
$ 100,000 Min.Cash Required
VR Business Sales - Own a Business Selling Businesses
For over four decades, VR Business Brokers has been a trusted leader in business sales, mergers, and acquisitions. With a proven system, extensive network, and unmatched expertise, VR empowers entrepreneurs to buy and sell businesses with confidence. Franchisees gain access to world-class training, marketing tools, and support—unlocking unlimited potential in the dynamic world of business brokerage. Shape your future with VR.
$ 200,000 Min.Cash Required
Steamatic - Restoration - Construction - Cleaning
Steamatic has the knowledge, tools, and investment in resources to educate and guide anyone who has the drive and entrepreneurial spirit to run their own business.
$ 50,000 Min.Cash Required
Spherion Staffing & Recruiting
Generate $5.6 million in annual revenue with America’s most-awarded staffing and recruiting franchise. Our network of independent, locally owned franchise offices delivers staffing solutions that matter: temporary, temp-to-hire, direct hire, and on-premise workforce services that connect more than 3,000 businesses with exceptional talent every day. Advance your goals empowered by our vibrant, supportive corporate team and franchise community.
$ 150,000 Min.Cash Required
ENVIRO-MASTERS
Enviro-Master is a commercial cleaning franchise specializing in deep-cleaning, sanitization, and health-focused services that go far beyond standard janitorial work. With low overhead, no storefront required, and recurring revenue through service contracts, this scalable opportunity is ideal for growth-minded entrepreneurs. Franchisees receive robust support including business coaching, marketing, lead generation, and national account access.
$ 100,000 Min.Cash Required
Lawn Doctor
Lawn Doctor offers custom lawn care solutions to residential and business consumers, including lawn services, pest control, and tree and shrub care. With over 45 years of experience in the industry, Lawn Doctor stands apart by being the leader in customer satisfaction, with an average customer retention rate of over 80%. Lawn and landscape services are a $67 billion-a-year industry, and each year more homeowners switch away from do-it-yourself lawn care to effective professional solutions.
$ 60,000 Min.Cash Required
SiteSwan Website Builder
Start your own web design business with SiteSwan. Create & sell websites to small businesses in your area with our easy-to-use, private label website builder. Set your own prices - keep 100% of the sales. Our turnkey platform is designed for anyone looking to sell websites to small businesses - no experience needed.
$ 199 Min.Cash Required
ClaimTek Systems
Why Medical/Dental Billing is the business for you... No Experience Needed! Great Income Potential! Flexibility to work at home, on the road, basically anywhere you have Internet access. ClaimTek is the most trusted Medical/Dental Billing business opportunity in the industry. We are the only company with expertise in billing, software development, and business development over the last 25 years and the services we offer are IN DEMAND! The Need: As hiring, managing, and compensating employees has become increasingly challenging for small businesses, outsourced healthcare billing and revenue cycle management services is the future for small to mid-size medical and dental practices. And that is where Claimtek comes in. Healthcare services is virtually recession-proof and the #1 sector for growth according to the U.S. Bureau of Labor!
$ 20,000 Min.Cash Required
Sparkle Squad
Sparkle Squad is an emerging brand under the Happinest Brands umbrella, a system with 850+ locations around the US. Sparkle Squad has revolutionized the window cleaning industry in North America. We offer franchisees a competitive advantage with higher margins, less liability, and increased efficiency. How? We provide a template for a safer and more durable process, dedication to innovative technology, and more efficient, streamlined operations. That’s why our motto is CLEANER. SAFER. BETTER.
$ 60,000 Min.Cash Required
DRYmedic Restoration Services
When a disaster occurs, homeowners everywhere want a company that can bring cleanup services without the hassle of insurance, red tape, and long waits. They want to trust in a company that doesn’t make them feel like a number. With many other restoration companies falling short, DRYmedic Restoration Services was founded with one mission – to restore life after a disaster quickly, affordably, and compassionately.
$ 75,000 Min.Cash Required
Rytech Water Damage & Mold Specialists
If you are searching for a rewarding and profitable business to own, look no further than Rytech. We are an established service provider franchise in a virtually recession-proof industry. Water and fire restoration along with mold remediation services are part of a multibillion-dollar industry that offers potential franchisees the opportunity to build a successful business. Learn more about becoming part of this ever-growing industry today and reach out to our franchising team.
$ 75,000 Min.Cash Required
Skedaddle Humane Wildlife Control
Own a high-demand, recession-resistant business in the booming wildlife removal industry—with a low investment, strong returns, minimal competition, and multiple revenue streams. This is a manager-run model, meaning you won’t handle wildlife yourself; instead, you’ll oversee a growing team and a thriving, profitable operation.
$ 75,000 Min.Cash Required
PuroClean
Own a scalable, high-margin property restoration franchise in a recession resistant industry.
$ 100,000 Min.Cash Required
1-800-Water Damage
A trusted property restoration company serving the nation. With coast-to-coast locations, we help home and business owners return their property to its original condition while restoring what truly matters - health and safety. Previous industry related experience is not required. Franchise partners receive personalized training and hands-on experience in each skill area of their business. Our franchisee resources and support on various topics keep you on track, focused and equipped for success!
$ 100,000 Min.Cash Required
Monster Tree Service
Opportunities for great ROI, multiple revenue streams with plant health care services, and lifestyle flexibility! Monster Tree Service pioneered the tree service franchise industry in 2008 and continues to be a leader in this $36 billion industry! Monster Tree Service is the nation’s largest tree service, tree removal, and plant healthcare franchise and provides its franchise owners with extensive training and comprehensive support. Reach new heights in your career with Monster Tree Service!
$ 150,000 Min.Cash Required
Prism Specialties
Over the past 25 years, Prism has become the most trusted name in specialty restoration, largely thanks to the efforts of our 190+ territories and more than 30 franchise owners. Learn more now!
$ 50,000 Min.Cash Required
U.S. Lawns
Get involved in a rewarding and lucrative career...especially when it's commercial (B2B) landscaping. Working in nature, enjoying the look and smell of green things, and creating something beautiful is more meaningful than working in an office. Plain and simple, working outdoors can make you happy. Learn more now!
$ 50,000 Min.Cash Required
Mister Sparky
Mister Sparky franchisees average $3.7M* in gross revenue, with top operators exceeding $73M*. No electrical experience required - just the drive to own a business backed by America's #1 ranked electrical services brand & nearly 30 years of proven systems, training, and support. Joining the Mister Sparky family means that you’ll retain 100% ownership of your business while receiving the benefits of a large company. *Refer to Item 19 of the 2026 Mister Sparky Franchise Disclosure Document (FDD).
$ 75,000 Min.Cash Required
Valcor Small Business Advocates
Small business owners are the backbone of our economy, representing 99.9% of US businesses. Our goal is simple: Save small businesses and the employees’ jobs that rely on those troubled companies. Valcor's 3 prong approach includes Debt Mediation, Business Restructuring, and Capital Acquisition. Run your executive-level business from home while helping save small businesses.
$ 30,000 Min.Cash Required
ATC Healthcare Services
ATC Healthcare Services is the leading franchise opportunity in the $42 billion medical staffing industry. It offers an outsized financial opportunity with an average revenue of $2.9 million per year. No health or staffing business experience required, and all the back-office work is done for owners by corporate HQ. Minimal overheads, no buildout, no big real estate footprint. Recession-resistant, essential business with multiple revenue streams and large territories.
$ 200,000 Min.Cash Required
The Perfect Franchise / Scott Milas Franchise Coach
I am a franchise coach who does NOT sell franchises. I offer a NO Cost educational process, providing guidance, education, and research so clients can properly validate opportunities and make informed, confident decisions. Interested parties should have a minimum net worth of $250,000 and $75,000 liquidity.
$ 100,000 Min.Cash Required
