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I wanted to own and operate my own business, but it was clear to me very quickly that I didn't have the funds to acquire the business I wanted. I watched my hopes fade away. It never dawned on me that this alternative was actually available. I would highly recommend Benetrends to anyone who wants to start a new business and is looking for alternative ways to finance....
Greg Grisevich
Sir Speedy
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Funding Tool
The original funding plan that changed the game forever. Find out what the Rainmaker Plan® can do for you.

The Rainmaker Plan

The concept of using your retirement plan to purchase a business goes by many names: ROBS (Rollover as Business Start-ups), IRA/401(k) Rollover Funding, 401(k) business financing, to name a few. Whatever you call it, the one name to remember is The Rainmaker Plan by Benetrends. This plan was the first of its kind, and was pioneered by our founder Len Fischer, a top ERISA attorney, in 1983.

While newer companies continue to pop up, no other IRA/401(k) rollover business funding provider has been in business longer or has the expertise of Benetrends - to help you navigate, grow and succeed in business for the LONG-TERM.

In fact, Benetrends has helped over 10,000 entrepreneurs fulfill their dreams of owning a business or franchise over the past 30 years with our Rainmaker Plan®. 


Watch Benetrends client Paula Lewis discuss why she chose The Rainmaker Plan to fund her business using her retirement plan (and how we've outweighed her expectations). 

The Benefits of IRA/401(k) Business Funding are Powerful:

  • Invest your retirement funds in your business - without taxes or penalties
  • Use a safe, proven plan based on long-standing provisions of the IRS
  • Use pre-tax dollars to fund your business
  • Gain business equity and an improved cash flow position from the start
  • Can use the funds to receive a salary during startup
  • Accelerate business profitability by eliminating or reducing interest and debt
  • Secure funding fast - typically in two to three weeks or less
  • Can set aside tax-deductible retirement savings up to $200,000 per year
  • Optimize business equity and value
  • Take full advantage of tax benefits


Infographic: How to Use your Retirement Plan to Purchase a Small Business (the right way!)

See our infographic for more details on How to Use your Retirement Plan to Purchase a Small Business, including how much you can stand to lose if done the wrong way.



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