ROBS 401(k) Funding
Choose Benetrends
Rollover Retirement Funds to Fuel Your New Business
Tax-deferred, penalty-free funding options to help you secure your business dreams without debt or worry
When it comes to dealing with your life savings and your future, nothing can substitute experience. At Benetrends, we don’t just offer the innovative ROBS (Rollovers-as-Business-Startups); our founder Len Fischer pioneered its usage 35 years ago (that’s almost 20 more years than most other competitors!), and we’ve since helped tens of thousands of entrepreneurs.
Our in-house team of industry-certified professionals never uses subcontractors or outsources services like other providers. You’ll get active, ongoing administrative support from the same experienced team before, during, and after funding.
Benetrends designs custom plans that make sense for your individual needs not only now but throughout the life of your business. With our custom Rainmaker and Rainmaker Advantage Plan, we help you minimize debt, enhance cash flow, stimulate business growth and build equity over time.
Major Benefits of ROBS
Get funding in as little as 10 business days!
Tax-Deferred, Penalty & Debt-Free
Reduces the Risk of Double Taxation
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Acquire or Later Grow Your Business
Better Wealth Protection from Personal Risk
Contributions are Exempt from Payroll Taxes
CUSTOM, INNOVATIVE FUNDING
Navigate Small Business Success With ROBS Funding From Benetrends
Ongoing Admin Support
Plans include all administrative, filing, and insurance costs plus unlimited certified and legal services that pay for themselves.
Funding in as Little as 3 Weeks
Our experts explore your options and provide fast funding alternatives with competitive terms through our (PLPs).
In-House Compliance
We have an in-house ERISA attorney to ensure compliance. We’ve never had a plan out of compliance in Benetrends history!
Better Wealth Protection
Only Benetrends offers additional plan options to support your future business empire and protect thousands of dollars.
Custom & Hybrid Options
We offer both 401(k) and Profit-Sharing Plan (PSP) options since we know that cookie-cutter plans don’t work for everyone.
We Optimize Your Equity
With our proven, custom plans, you’ll minimize debt and enhance cash flow from the start to gain business equity.
ROBS innovator
Start Up Without Worry
or Debt
You’re ready to begin your dream of opening a business, but how can you avoid high interest rates and fees? Fortunately, we can help you use your retirement funds to start a business — without paying taxes or penalties — with ROBS plans.
ROBS innovator
Secure Fast Funding With Custom Rainmaker Plans
The visionary Rainmaker Plan®, also known as ROBS (Rollover-for-Business-Start-Ups), was pioneered by Benetrends Financial in 1983. It has helped thousands of entrepreneurs like you receive funding in a manner that is safe, effective and legal. It’s also quick — many receive their funding in as little as 10 business days.
With The Rainmaker Plan, you’re able to grow and succeed in business quickly. What’s more, the absence of debt and monthly payments means you’re also poised to thrive over the long term.
You still need to pay your bills and living expenses while you are starting out. That’s why our plan enables you to take a salary once you form an active business.
ongoing guidance
You’re Not Alone, Even
After You’re Funded
At Benetrends, we partner with you, rooting for your success — for as long as you need us. Here are just a few of the ways you receive the best service in the industry from Benetrends:
In-house team of certified professionals — no subcontractors or outsourcing of retirement plan services
Custom plan designed specifically for you — including 401(k) and profit-sharing options
More experience than any other provider — a knowledgeable team of experts with the most industry certifications
Audit Shield protection — and assurance in knowing that we’ve NEVER had a plan disqualified!
rainmaker guarantee with audit shield protection
We ensure if you follow certain terms and conditions, your plan is protected in the rare case of an inquiry or audit by the Internal Revenue Service or Department of Labor.
never had a plan out of compliance in over 35 years
In the entire history of Benetrends, we have NEVER had a plan disqualified. Our guarantee and audit shield ensure it.
in-house erisa attorneys to manage each plan
Our in-house ERISA attorney provides audits and feedback to ensure every plan follows the specific steps in order to ensure compliance with IRS/DOL regulations.
knowledgeable team with leading certifications
We don’t utilize subcontractors or outsource our retirement plan administration services, so each client gets custom and exceptional service.
industry leading
Meet the Rainmaker Advantage Plan®
The Rainmaker Advantage Plan® is the only of its kind. From the innovators of Rollover as Business Start-ups (ROBS) funding comes the next great solution for entrepreneurs. The Rainmaker Advantage Plan is a corporate capitalization funding strategy that lets you save for your future while continuing to invest into your business.
ROBS PRocess
How 401(k)/IRA Business Funding Works
Navigate ROBS small business funding with help from the experts at Benetrends. We will work with you every step of the way, from the free funding consultation to the day you open your business doors and beyond! We are here to see your business succeed and create a lasting partnership for success.
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SET UP A C CORPORATION
The process begins with establishing a new corporation using the proper legal structure to support the establishment and operation of the company’s qualified retirement plan.
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DESIGN A NEW QUALIFIED RETIREMENT PLAN
To avoid early withdrawal penalties and preserve tax-deferred status, a new retirement plan is created for which you’ll move your existing funds. We will customize your plan, taking into account your business needs.
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TRANSFER YOUR RETIREMENT FUNDS INTO THE NEW PLAN
If you’re rolling over funds from a 401(k), your plan custodian will work with you to fill out temporary IRA documents. If funds are being rolled from an existing IRA, your plan custodian will initiate the movement of those funds.
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USE THE RETIREMENT PLAN’S FUNDS FOR YOUR BUSINESS
The rollover funds can now be invested in the newly formed C Corporation by purchasing stock in the corporation. You have the capital to start, purchase or recapitalize your new small business or franchise.
Testimonials
Working With Some Amazing Clients
"With my first helicopter, I have a return of about 35% on my investment. Where can you get that in the stock market? It's impossible. Having your own business is great. Having Benetrends by your side to guide you is even better. It's a win-win for everybody."
“We initially signed up with a competitor, but after one year of extremely poor service from them, we opted to switch to Benetrends Financial
(and the Rainmaker Plan®).
A decision we have not regretted.”
"Benetrends helped me find multiple banks who would provide sources for (SBA) funding, most of whom I had never even heard of...
I was pleasantly surprised by all of them."
"Our financial representatives introduced us to Benetrends Financial, and after a few conversations, we knew we were in good hands. Benetrends has been facilitating the dreams for many people – for many years. We found the staff listened to our needs and understood that we were prepared and anxious to move forward."
Find Out Your Fundability
Getting pre-qualified for funding is a great first step to owning your own business or franchise. To get an idea of the financing opportunities available to you, try our free funding calculator.