{"ok":true,"canonical_url":"https://dealroom.so/glossary/401-k-plan","api_url":"https://dealroom.so/api/public/glossary/401-k-plan","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"401-k-plan","term":"401(k) plan","group":"Your money in the deal","definition":"A retirement savings plan allowing employees to contribute a portion of their salary pre-tax. It's relevant as a potential source of funds for your equity injection through a ROBS transaction.","what_it_means":"Your personal 401(k) assets can be a significant source of capital for your business acquisition. If you're considering a ROBS transaction, understanding how your existing 401(k) funds can be rolled over into a new business 401(k) is crucial. Seek expert advice on the setup and compliance.","url":"https://dealroom.so/glossary/401-k-plan","official_sources":[],"related":[{"slug":"robs-transaction","term":"ROBS transaction","url":"https://dealroom.so/glossary/robs-transaction"},{"slug":"equity-injection","term":"Equity injection","url":"https://dealroom.so/glossary/equity-injection"},{"slug":"robs-facilitator","term":"ROBS facilitator","url":"https://dealroom.so/glossary/robs-facilitator"},{"slug":"corporation","term":"Corporation","url":"https://dealroom.so/glossary/corporation"}],"related_questions":[{"question":"Can funds from a retirement account, like a 401(k), be used for my equity injection if rolled into a new C-corp via a ROBS plan?","url":"https://dealroom.so/sba-7a/questions/can-funds-from-a-retirement-account-like-a-401-k-be-used-for-my-equity-injection-if-rolled"},{"question":"Can I use my existing 401(k) retirement funds as an equity injection without penalty?","url":"https://dealroom.so/sba-7a/questions/can-i-use-my-existing-401-k-retirement-funds-as-an-equity-injection-without-penalty"},{"question":"Can 401(k) or IRA funds be used for my SBA 7(a) loan down payment?","url":"https://dealroom.so/sba-loans/basics/can-401-k-or-ira-funds-be-used-for-my-sba-7-a-loan-down-payment"},{"question":"Can I use funds from a Roth IRA or 401(k) without penalty for my equity injection?","url":"https://dealroom.so/sba-7a/questions/can-i-use-funds-from-a-roth-ira-or-401-k-without-penalty-for-my-equity-injection"},{"question":"Can I use retirement funds from a 401(k) as equity injection for a $750,000 business purchase?","url":"https://dealroom.so/sba-7a/questions/can-i-use-retirement-funds-from-a-401-k-as-equity-injection-for-a-750-000-business-purchas"},{"question":"Can I use funds from a retirement account, like an IRA or 401(k), for my equity injection?","url":"https://dealroom.so/sba-loans/basics/can-i-use-funds-from-a-retirement-account-like-an-ira-or-401-k-for-my-equity-injection"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — 401(k) plan","url":"https://dealroom.so/glossary/401-k-plan","source_type":"DealRoom Data"}}