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ROBS - Rollover for Business Startups - lets you use your 401(k) or IRA to buy a business without paying early withdrawal penalties or income taxes. It's legal, the IRS recognizes it, and thousands of people have used it. But it's not simple, not cheap, and carries real risk that most ROBS providers gloss over. This guide breaks down exactly how ROBS works, what it costs to set up and maintain, where it makes sense, where it goes wrong and how it compares to SBA loans and oth

An SBA 7(a) loan is the most common way buyers finance a business acquisition in the $500K to $5M range — but the rules are specific and the timeline is longer than most people expect. This guide breaks down how to get an SBA loan to buy a business: down payment requirements, what lenders actually look at, SBA 7(a) vs 504, realistic closing timelines, and the mistakes that kill deals at the finish line. Written from a business broker's perspective for buyers and sellers in th