Retirement Owned Business (ROBS) – Small Business Loan Alternative

Has your small business credit application been rejected by your bank?  Are you looking to open a franchise and can’t get franchise financing?

If you tried to get a loan from one of the big banks (defined as having $10 billion+ in assets) you are not alone.  These banks approve only a little more than 1 out of 10 requests for small business loans (Biz2Credit Small Business Lending Index).

While this might be cold comfort to you and your dream to own your own business, don’t give up as there are many small business loan alternatives.  For example, many budding entrepreneurs will borrow money from family or friends, take a second mortgage on their home, or finance their franchise with credit cards.  While these small business financing strategies may work for some, the odds of long-term success may not be much better than the odds of obtaining a small business loan from a big bank.  The problem with all of these strategies is that the debt burden can overwhelm a budding small business before it has a chance to succeed.

An alternative strategy that can finance your business without incurring debt is sometimes called a retirement owned business (robs) strategy.  This strategy allows you to use your 401k, IRA or other retirement funds to finance your business.  To learn more visit our 401k small business financing page and schedule a free consultation with our Harvard-law trained attorney.

About Mark Nolan

Each day I speak with energetic entrepreneurs looking to take the plunge into a new venture and small business owners eager to take control of their retirement savings. I am passionate about helping others find their financial independence. Having worked for over 20 years with some of the top retirement account custodian and insurance companies I have a deep and extensive knowledge of the complexities of self-directed 401ks and IRAs as well as retirement plan regulations. Learn more about Mark Nolan and My Solo 401k Financial >>


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