{"id":516,"date":"2025-01-23T19:06:12","date_gmt":"2025-01-23T19:06:12","guid":{"rendered":"https:\/\/secure.eplanservices401k.com\/blog\/?post_type=article&#038;p=516"},"modified":"2025-10-02T16:18:28","modified_gmt":"2025-10-02T16:18:28","slug":"what-to-know-about-rollover-as-business-start-up-robs","status":"publish","type":"article","link":"https:\/\/secure.eplanservices401k.com\/marketing\/article\/what-to-know-about-rollover-as-business-start-up-robs\/","title":{"rendered":"What to Know About Rollover as Business Start-up (ROBS)"},"content":{"rendered":"\n<p>Are you in need of start-up funds for your new business? ROBS, (rollover as business start-up), can be an alternative to taking out a business loan. Our guide will help you understand how ROBS works and whether it\u2019s the right decision for your new business.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is ROBS and how does it work?<\/h2>\n\n\n\n<p>ROBS involves rolling over funds from your retirement account and using them to fund a start-up business. ROBS requires you to have either a 401(k) or an IRA account, so you can roll funds over into the business\u2019 account. &nbsp;<\/p>\n\n\n\n<p><strong>There are several steps to making a ROBS transaction:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Register your business as a C corporation <\/strong>&#8211; Only C corporations are eligible for ROBS.<\/li>\n\n\n\n<li><strong>Set up a retirement account <\/strong>\u2013 You will also need to set up a retirement account for your new business. &nbsp;<\/li>\n\n\n\n<li><strong>Rollover funds <\/strong>\u2013 Funds will need to be rolled over from your current retirement account to your new retirement account.<\/li>\n\n\n\n<li><strong>Buy stock in your company-<\/strong> The funds in your new retirement account can be used to buy shares of stock in your own company. Once you sell those shares, you can use the newly acquired funds to finance your business.<\/li>\n<\/ul>\n\n\n\n<p>Note that ROBS isn\u2019t only for new start-up businesses. It can also help entrepreneurs purchase established businesses and franchises. Working with a plan provider with ROBS experience can ensure a smooth and accurate process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are the advantages of ROBS?<\/h2>\n\n\n\n<p>When you rollover your funds, they go from your retirement account and into your new business. Because you\u2019re not withdrawing those funds, you won\u2019t need to pay taxes or face penalties for an early withdrawal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are the disadvantages of ROBS?<\/h2>\n\n\n\n<p>Rollover as <a>business<\/a> start-up, (ROBS), can help you gain the finances needed to get your business started.<\/p>\n\n\n\n<p><strong>However, there are a few details that you\u2019ll need to consider when deciding to take the ROBS approach:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Must be a C corporation:<\/strong> Your business will not qualify for a ROBS plan unless your company is registered as a C corporation.<\/li>\n\n\n\n<li><strong>Additional fees:<\/strong> A ROBS account comes with fees for set-up and plan administration. Talk to your retirement provider about what fees you can expect.<\/li>\n\n\n\n<li><strong>Risk to retirement: <\/strong>Borrowing funds from your retirement account will cut into your retirement savings. There is also a risk to your savings if your business fails.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What are the Alternatives to ROBS?<\/h2>\n\n\n\n<p>ROBS may not be a realistic or even possible option for all business owners. You may want to explore other options if you\u2019re unwilling or unable to borrow from your 401(k)-retirement account.<\/p>\n\n\n\n<p><strong>The following are potential avenues that you could also consider.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Personal Loans: <\/strong>You can receive a personal business loan to start your business. Several factors will determine if you qualify for a loan such as your credit history. Take note that you\u2019ll be responsible for the debt whether your business succeeds or not.<\/li>\n\n\n\n<li><strong>Business credit cards: <\/strong>Your ability to qualify for a business credit card may depend on your personal financial history rather than your business history. Be sure to discuss with your financial advisor whether business cards alone are right for your business needs. &nbsp;<\/li>\n\n\n\n<li><strong>Startup grants:<\/strong> A grant can also serve as a cost-effective option for gaining start-up funds. While the application process can be competitive, you won\u2019t have to pay the grant back if you receive one.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion:<\/h2>\n\n\n\n<p>If done correctly, ROBS can help you get your business on its feet, so you\u2019ll feel empowered to make it thrive. <\/p>\n\n\n\n<!-- Modal -->\n<div class=\"modal fade\" id=\"salesModal\" tabindex=\"-1\" aria-labelledby=\"exampleModalLabel\"\n    aria-hidden=\"true\">\n    <div class=\"modal-dialog \">\n        <div class=\"modal-content\">\n            <div class=\"modal-header\">\n                <h2>Contact our sales team<\/h2>\n                <button type=\"button\" class=\"btn-close\" data-bs-dismiss=\"modal\" aria-label=\"Close\"><\/button>\n            <\/div>\n            <div class=\"modal-body\">\n                <div class=\"modal-form\">\n                    <div class=\"modal-form__left\">\n                        <script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar 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   <h2 class=\"gform_title\">Contact Our Sales Team<\/h2>\n                            <p class='gform_description'><\/p>\n\t\t\t\t\t\t\t<p class='gform_required_legend'>&quot;<span class=\"gfield_required gfield_required_asterisk\">*<\/span>&quot; indicates required fields<\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_1' id='gform_1'  action='\/marketing\/wp-json\/wp\/v2\/article\/516#gf_1' data-formid='1' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_1' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_1_1\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_1'>First Name<span 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gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_6'>Phone Number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_6' id='input_1_6' type='text' value='' class='large'    placeholder='(000) - 000-0000' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_5\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_5'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_5' id='input_1_5' type='email' value='' class='large'    aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><div id=\"field_1_7\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_7'>Company<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_7' id='input_1_7' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_13\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_13'>Number of Employees<\/label><div class='ginput_container ginput_container_number'><input name='input_13' id='input_1_13' type='number' step='any' min='0' max='100000' value='' class='large'      aria-invalid=\"false\" aria-describedby=\"gfield_instruction_1_13\" \/><div class='gfield_description instruction ' id='gfield_instruction_1_13'>Please enter a number from <strong>0<\/strong> to <strong>100000<\/strong>.<\/div><\/div><\/div><fieldset id=\"field_1_15\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Do you have a company retirement plan?<\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_15'>\n\t\t\t<div class='gchoice gchoice_1_15_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_15' type='radio' value='Yes'  id='choice_1_15_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_15_0' id='label_1_15_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_15_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_15' type='radio' value='No'  id='choice_1_15_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_15_1' id='label_1_15_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_16\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_16'>What is the estimated total in Plan Assets?<\/label><div class='ginput_container ginput_container_number'><input name='input_16' id='input_1_16' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><fieldset id=\"field_1_17\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Is a financial professional assisting you with your company retirement plan?<\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_17'>\n\t\t\t<div class='gchoice gchoice_1_17_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_17' type='radio' value='Yes'  id='choice_1_17_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_17_0' id='label_1_17_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_17_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_17' type='radio' value='No'  id='choice_1_17_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_17_1' id='label_1_17_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_18\" class=\"gfield gfield--type-select gfield--input-type-select gfield--width-full select-discuss gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_18'>What do you want to discuss?<span class=\"gfield_required\"><span class=\"gfield_required 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