ROBS Financing
Rollover for Business Startups (ROBS) let’s you use your 401(k) or IRA to fund a business or franchise
Fund Your Business Using Retirement Money
ROBS Financing
If you have a qualified retirement account and want to invest in yourself instead of borrowing from a bank, ROBS financing (Rollover for Business Startups) provides a tax-efficient way to fund a business, franchise, or acquisition.
How ROBS Works
- A new C-Corporation is created
- Your retirement funds are rolled into a new business retirement plan
- The retirement plan purchases stock in your company
- Your business receives the capital to operate, expand, or acquire assets
- Funds are used for approved business purposes
This structure is IRS-compliant when properly administered.
Easy Rates
5 — 8%
Flexible Terms
5 to 10 years
High Loan Amounts
$50,000 to $5,000,000
How High-Limit Business Line of Credits work!
Limit Amount: $50,000 to $5,000,000
Terms: 5 – 10 years (business structure-based)
Rates: Typically 5% – 8% (administrative & program costs)
Qualifications — ROBS programs generally require:
- $50,000+ in eligible retirement funds
- A rollover-eligible 401(k), IRA, 403(b), or similar plan
- 650+ credit score (especially if combined with SBA or bank financing)
- Willingness to operate as a C-Corporation
- Funds used for legitimate business purposes
- No collateral required
Use Your 401(k) or IRA to Fund a Business or Franchise — Tax & Penalty Free
ROBS Financing
ROBS (Rollover for Business Startups) is a powerful funding strategy that allows individuals to use their existing retirement savings such as a 401(k) or IRA to start or purchase a business without paying early withdrawal penalties or taxes.
Instead of borrowing money, ROBS allows you to invest your retirement funds into your own business, making it ideal for entrepreneurs, franchise buyers, and business owners who want to avoid debt, interest-heavy loans, or personal guarantees.
Benefits of ROBS Financing
ROBS Financing (Rollover for Business Startups) allows entrepreneurs to use existing retirement funds to invest in their business without taking on debt or early withdrawal penalties. By rolling eligible retirement assets into a qualified business plan, owners gain access to startup or expansion capital while avoiding monthly loan payments and interest costs. This structure preserves cash flow, keeps ownership intact, and provides a compliant way to put retirement savings to work in building long-term business value.
- Use retirement funds without early withdrawal penalties
- Avoid traditional business loans and high-interest debt
- No monthly loan payments
- No collateral or personal guarantee required
- Fund startups, acquisitions, or franchises
- Can be combined with SBA loans or other financing
- You invest in your own business instead of paying a bank
Common Uses for ROBS
- Franchise purchases
- Business startups
- Buying an existing business
- Business expansion
- Equipment and buildouts
- Working capital
- SBA loan down payments
How We Work. Our Mission & Values
At Faster Funding, we’re committed to helping businesses of all sizes succeed. Our ROBS Financing program is just one of the many ways we’re working to make that happen.
To learn more about our ROBS Financing or to apply for funding today, 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 ROBS a loan?
No. ROBS is not a loan. It is an equity investment using your retirement funds.
Are there monthly payments?
No monthly loan payments. Your business is funded through an investment structure.
Is ROBS legal?
Yes. ROBS is IRS-compliant when structured and maintained correctly.
Can ROBS be combined with other funding?
Yes. Many borrowers combine ROBS with SBA loans, equipment financing, or real estate loans.
Do I pay penalties or taxes?
No, when structured correctly.
Get Started
Contact us to learn more about our ROBS Financing programs. Our team of experts is standing by to help you find the perfect financial solution for your business.
Faster Funding’s services and financial products are for US-based businesses only.
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Please note: Faster Funding is not affiliated with Faster-Funding.com or Faster-Lending.com. If you are trying to reach them, please contact their support directly. Read the full announcement.
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