ROBS 401(k) Funding
Choose Benetrends
Rollover Retirement Funds to Start Your New Business
Tax-deferred, penalty-free funding to help you secure your business dreams without debt or worry.
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
Industry Leading ROBS: The Rainmaker Plan®
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 — utilizing the leading ROBS Rainmaker Plan®.
ROBS Process
How ROBS 401(k)/IRA Business Funding Works
Navigate ROBS 401(k) 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.
Navigate Small Business Funding with Ease
How Benetrends is Different
Funding in as Little as 10 Days!
We have our process down to a science and have a reputation for being the fastest in the industry – which means you have access to funds faster.
Ongoing Admin Support
Plans include all administrative, filing, and insurance costs plus unlimited certified and legal services that pay for themselves.
Compliance Expertise
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.
When I approached Benetrends I was in a dire situation. I called many accountants and TPA and most would not touch the case or wanted a retainer in the thousands… Not Benetrends! They reviewed my case and put together a plan to bring me back into compliance at a reasonable price and within the required timelines. Their compliance officer assured me I was not a lost cause, and they could bring my business back into compliance from 2018 through 2021. They educated me, earned my trust and I would recommend them to any small business planning to start and/or has a 401K PSP.
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 40 years
In the entire history of benetrends, we have never had a plan disqualified. Our guarantee with Audit Shield protection ensures it.
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 ROBS+®
ROBS+® is the only of its kind. From the innovators of Rollover as Business Start-ups (ROBS) funding comes the next great solution for entrepreneurs. ROBS+® is a corporate capitalization funding strategy that lets you save for your future while continuing to invest into your business. Learn more
Testimonials
Working With Some Amazing Clients
"Benetrends helped me realize the reality of owning my own business, by utilizing a portion of my tax-free retirement savings to self-fund my dreams!"
Vern Taylor II
Budget Blinds
“Benetrends helped us bring our dream of owning a Dogtopia to life. They made the funding process feel easy and personal—like they were part of our team from the start. We wouldn’t be where we are without them.”
Dave and Sue George
Dogtopia Owner
"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."
Margaret L.
iLoveKickboxing
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.