Use your 401k/IRA to Buy a Business or Franchise - Resource
Quick Summary
Pension Pros offers a ROBS plan design that is much more cost-effective than ALL competitors. ROBS (Rollover for Business Startup) can be a great way to finance a franchise startup or business purchase. Our ROBS plan has a lower upfront fee and NO ongoing monthly fees!
Use your 401k/IRA to Buy a Business or Franchise
Business Cost, Fees & Facts for 2025
| Minimum Cash Required | $30,000 |
Available In These States:
- Overview
Use your 401k/IRA to Buy a Business or Franchise - Resource
ROBS (Rollover for Business Startup)
Why Work With Pension Pros
We are pension plan professionals who specialize in helping small business owners utilize their retirement funds to start a business or franchise without incurring the penalty and taxes typically paid on plan withdrawals.
Note: Funds must be from a previous employer 401k or IRA, not a current employer 401k.
How Our ROBS Plan Differs
- Low upfront fee. SAVE $1000 on plan installation cost!
- NO monthly admin fee! Save thousands over the life of your business! Total 1st yr savings of $2,800 (Compared to other ROBS plans)
- Total 5 year savings of $10,000 (Compared to other ROBS plans)
- We help our clients secure a $1500 Tax Credit
Buy a Business or Franchise with Your 401k/IRA — Tax Penalty Free!
401k/IRA business financing, also known as ROBS, can be a great way to finance a business startup or expansion. The ROBS program enables you to invest in yourself. Tax penalty free, Debt free and Collateral free!
ROBS will help to reduce debt payments and minimize exposure to rising interest rates, which is always a major concern for borrowers.
ROBS can also help to free up cash for the down payment for SBA or other loans.
Plus, the ROBS process involves establishing a new pension plan so you can continue to invest in yourself and maximize contributions and tax deductions as your business grows!
For tax year 2025, you can contribute as much as $70k/yr.
Believe in Yourself — Invest in Yourself
Utilizing the ROBS strategy is a great way to invest in yourself and finance the purchase or growth of your business and potentially avoid the hassle of qualifying for credit. Even if you have good credit, you still have to deal with rigorous underwriting standards that are not geared to new businesses.
In case you have not experienced this before, banks tend to frown on new business lending and generally tighten their credit criteria and ask for more collateral. From their standpoint, there is simply too much risk with new business startups.
If you do need to secure a loan (ie. SBA) to finance your new venture, you will still need to come up with cash for the down payment and for other related loan costs like origination fees. Using your retirement funds for that "gap" can make a lot of sense as it allows you to keep your non-qualified money at your disposal for personal and other expenses.
Key Benefits of ROBS
- Access your retirement funds tax and penalty free
- This is NOT a loan! You do not have to pay yourself back!
- Reduce debt payments and avoid high interest rates on business loans
- Avoid turning over collateral to a lender (ie. lien on your home)
- Establish a new 401k plan to continue to invest in yourself
- Maximize your own contributions and tax deductions to lower tax liability
- Incentivize key employees (optional)
Pension Pros has innovated a unique ROBS plan design that is much more cost effective than ALL competitors!
When you do the ROBS rollover with Pension Pros, you SAVE money in both the short term and long term. See Fees Comparison chart below.
Pension Pros vs. ALL Others
| Services / Fees | Competitors | PENSION PROS |
|---|---|---|
| Fees Paid Upfront | YES | YES |
| Monthly admin fee | YES | NO |
| $1500 Tax Credit Available | NO | YES |
| Simple plan admin | NO | YES |
| Completion of Form 5500 | YES | YES |
5-Year Fee Comparison
| Fee Category | Competitors | PENSION PROS |
|---|---|---|
| Initial Fee | $4,995 | $3,995 |
| Annual admin fee | $1,800 | $0 (ZERO) |
| 1st year total fees | $6,795 | $3,995 |
| 5-year accumulated fees | $13,995 | $3,995 |
1 yr savings with Pension Pros = $2800
5 yr Savings with Pension Pros = $10,000
So, we have a simple question.
Why pay excessive fees that could instead go towards growing your business?
Right now, you need an adequate plan that meets all IRS and DOL compliance requirements. Our plan does that for you!
You need a plan that will allow you to invest in yourself now and in the future as your business grows and becomes profitable. Our plan allows that!
You need a plan that you can grow into and will allow your full time employees to contribute and start saving for their own retirement. Our plan can do that!
You need a plan that will allow you to maximize your hard earned contributions and take the maximum tax deductions available. Our plan is designed exactly for that!
If you are inclined to use the ROBS rollover to help fund your new venture, there is only one logical choice --- Pension Pros
