{"ok":true,"canonical_url":"https://dealroom.so/glossary/qualified-robs-provider","api_url":"https://dealroom.so/api/public/glossary/qualified-robs-provider","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":"qualified-robs-provider","term":"Qualified ROBS provider","group":"Your money in the deal","definition":"A Qualified ROBS provider is a third-party administrator that helps you use your retirement funds (401k or IRA) to buy a business without incurring early withdrawal penalties or taxes. This lets you use pre-tax dollars for your equity injection.","what_it_means":"If you're using a ROBS (Rollover for Business Startups) structure for your equity injection, you must work with a qualified provider. They ensure your transaction complies with IRS and ERISA rules, which is critical since non-compliance can lead to severe penalties and jeopardize your SBA loan. Choose a reputable provider with a track record.","url":"https://dealroom.so/glossary/qualified-robs-provider","official_sources":[],"related":[{"slug":"robs","term":"ROBS","url":"https://dealroom.so/glossary/robs"},{"slug":"equity-injection","term":"Equity injection","url":"https://dealroom.so/glossary/equity-injection"},{"slug":"seasoned-funds","term":"Seasoned funds","url":"https://dealroom.so/glossary/seasoned-funds"},{"slug":"personal-financial-statement","term":"Personal financial statement","url":"https://dealroom.so/glossary/personal-financial-statement"}],"related_questions":[{"question":"What documentation proves U.S. citizenship or Qualified Alien status for owners?","url":"https://dealroom.so/for-lenders/questions/what-documentation-proves-u-s-citizenship-or-qualified-alien-status-for-owners"},{"question":"Can a Qualified Alien without permanent residency obtain an SBA 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/can-a-qualified-alien-without-permanent-residency-obtain-an-sba-7-a-loan"},{"question":"Can I get pre-qualified for an SBA 7(a) loan before identifying a specific business to acquire?","url":"https://dealroom.so/sba-7a/questions/can-i-get-pre-qualified-for-an-sba-7-a-loan-before-identifying-a-specific-business-to-acqu"},{"question":"What specific documentation is required to verify citizenship or qualified non-citizen status for 7(a) loan applicants?","url":"https://dealroom.so/for-lenders/questions/what-specific-documentation-is-required-to-verify-citizenship-or-qualified-non-citizen-sta"},{"question":"Are funds from a Roth IRA eligible for my equity injection if rolled over via a \"rollover as business startup\" (ROBS) plan?","url":"https://dealroom.so/sba-7a/questions/are-funds-from-a-roth-ira-eligible-for-my-equity-injection-if-rolled-over-via-a-rollover-a"},{"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"}]},"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 — Qualified ROBS provider","url":"https://dealroom.so/glossary/qualified-robs-provider","source_type":"DealRoom Data"}}