Retirement Account Financing
Use Your 401(k) or IRA to Access Capital without penalties
make the most of your retirement savings!
Retirement Account Financing
If you have a qualified retirement account and want to unlock capital without relying on banks or credit scores, Retirement Account Financing offers a powerful alternative funding solution.
Predictable Rates
Prime + 2%
Flexible Terms
Up to 5 year
Flexible Loan Amounts
Borrow up to 100% of your retirement savings
Learn how to leverage Retirement Account financing!
Introducing the Retirement Account Financing Program:
-
- Loan/Line amount: Up to 100% of rollable retirement account value
- Loan terms: Up to 5 years (if applicable)
- Interest rates: Prime + 2% plus setup fees
- Typical fees: $3,500 – $5,000
- Collateral required: 401(k) or IRA
- Credit Score requirement: None
Access Capital Using Your 401(k) or IRA with No Credit Requirements
Retirement Account Financing allows you to:
Retirement Account Financing allows individuals and business owners to access capital by leveraging the value of their rollable retirement accounts, such as a 401(k) or IRA, without relying on personal credit, income, or traditional loan underwriting.
This program enables you to access up to 100% of eligible retirement funds to invest in a business, purchase assets, cover major expenses, or fund new opportunities—while avoiding early withdrawal penalties when structured properly.
Benefits of Retirement Account Financing
PayPal, Square, and Stripe business funding programs offer fast, streamlined access to capital for businesses already processing payments through their platforms. Approvals are often based on sales history rather than traditional credit requirements, making funding easier to obtain and quicker to deploy. Repayments are automatically deducted as a small percentage of daily sales, helping maintain predictable cash flow without fixed monthly payments. This type of financing is ideal for businesses seeking convenient, technology-driven funding that grows in step with their revenue.
- Instant approvals based on transaction history
- Automated repayment deducted from daily sales
- No credit check required
- Perfect for e-commerce, retail, restaurants, services & subscription businesses
- Borrow based on actual sales, not credit
- No lengthy underwriting or financial statements required
Eligible Retirement Accounts
401(k) Financing Requirements
- Must no longer be employed by the company that issued the 401(k)
- Must no longer be contributing to the plan
- Minimum balance: $35,000
- Must be a rollable 401(k)
IRA Financing Requirements
- Traditional or eligible IRA accounts
- Minimum balance: $35,000
- Must be in good standing and eligible for financing
Qualification
Requirements
To qualify, borrowers must meet the following:
- No minimum credit score
- No income requirements
- Must have an eligible retirement account
- Must provide the most recent retirement statement
- Account must meet rollability standards
Deal Submission
Requirements
To begin, you will need to provide:
- ✔ Most recent 401(k) statement (if using a 401k)
- ✔ Most recent IRA statement (if using an IRA)
Additional documentation may be required depending on account type and structure.
Common Uses
Borrowers typically use Retirement Account Financing for:
- Business startup or expansion
- Franchise funding
- Real estate investing
- Equipment purchases
- Partner buyouts
- Debt restructuring
- Large asset acquisitions
How We Work. Our Mission & Values
At Faster Funding, we’re committed to helping businesses of all sizes succeed. Our Retirement Account Financing programs are just one of the many ways we’re working to make that happen.
To learn more about our retirement account financing loans or to apply for other types of funding, please contact us. Our team of experts is standing by to help you find the perfect lending solution for your business.
Faster Funding is Here to Help
Frequently Asked Questions
We understand you are probably wondering how this all works. Here are some key topics to help you make informed decisions to unlock your business’s growth opportunities.
Is this a loan or a rollover structure?
Programs may be structured as loans or retirement-based financing strategies depending on the account type.
Is my credit pulled?
No. This program is not credit-based.
Do I need to show income?
No income verification is required.
What is the minimum retirement balance?
$35,000 in a rollable 401(k) or IRA.
Have Questions?
Contact us to learn more about our retirement account loans. Our team of experts is standing by to help you find the perfect financial solution for your business.
