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Independent ROBS 401(k) education

401(k) ROBS: Fund a Business With Retirement Savings

Learn how Rollovers as Business Startups work, compare ROBS providers and fees, and find the right 401(k) business financing company for your needs.

Compare ROBS providers Read the ROBS 401(k) guide
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Free ROBS provider matching

Eight fit questions · No provider contact

Find the Best ROBS Provider for Your Business

Compare every provider in our directory by fit, published pricing, service model, and setup process.

  • Personalized provider match scores
  • Side-by-side ROBS fees and services
  • Source-bounded profiles and direct provider links
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How ROBS works

How a ROBS 401(k) Funds a Business in Four Steps

A ROBS is a business-financing structure, not a retirement withdrawal or loan. Each step has tax and retirement-plan compliance requirements.

01

Form a C corporation

A new or existing C corporation sponsors a qualified retirement plan.

02

Roll over eligible retirement funds

Funds move from an eligible retirement account into the new plan—not to you personally.

03

The 401(k) plan buys company stock

The qualified plan purchases stock in the C corporation at a supportable fair value.

04

Use ROBS funds for the business

The corporation uses the proceeds to launch, buy, or grow an operating business.

ROBS calculators and tools

Free ROBS Eligibility and Business Funding Calculators

Use private, browser-based ROBS tools before speaking with a provider. Your inputs stay on your device.

ROBS 401(k) Eligibility Check

Assess common ROBS eligibility and practical fit factors in about two minutes.

ROBS Business Funding Calculator

Compare ROBS financing with a taxable withdrawal and a business loan.

ROBS learning center

ROBS 401(k) Guides for Starting or Buying a Business

ROBS basics

What Is a ROBS 401(k)?

Learn the ROBS structure, eligibility rules, timeline, and requirements for retirement-funded business ownership.

Read ROBS guide
ROBS risks

ROBS 401(k) Pros, Cons, and Risks

Compare debt-free business funding with ROBS fees, compliance work, and the risk to retirement savings.

Read ROBS guide
Franchise funding

Using ROBS to Buy a Franchise

See how franchise buyers combine retirement funds, SBA loans, and cash to finance a franchise.

Read ROBS guide

Compare the Best ROBS Providers, Fees, and Services

Compare ROBS companies by setup fees, monthly administration costs, valuation support, Form 5500 preparation, employee eligibility help, audit support, and exit guidance.

Find your ROBS provider match
ROBS setup pricing
401(k) plan administration
Business valuation support
IRS and DOL audit support
SBA loan coordination
ROBS exit assistance

ROBS 401(k) FAQ

ROBS 401(k) Rules, Taxes, and Provider Questions

Independent ROBS Research Using Primary Sources

Core ROBS compliance claims link to IRS materials. Provider comparisons separate published facts from editorial judgments, and paid relationships are labeled.

Read IRS ROBS guidance