{"ok":true,"canonical_url":"https://dealroom.so/glossary/retirement-fund","api_url":"https://dealroom.so/api/public/glossary/retirement-fund","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":"retirement-fund","term":"Retirement fund","group":"Your money in the deal","definition":"A financial account specifically for retirement savings, such as a 401(k) or IRA. These funds can sometimes be used for an equity injection into a business acquisition.","what_it_means":"You can use funds from your retirement accounts as part of your equity injection, often through a Rollover as Business Start-Up (ROBS) arrangement. This is complex and requires specialized advisors to ensure compliance with IRS and Department of Labor rules. Proceed with caution.","url":"https://dealroom.so/glossary/retirement-fund","official_sources":[],"related":[{"slug":"rollover-as-business-start-up","term":"Rollover as Business Start-Up","url":"https://dealroom.so/glossary/rollover-as-business-start-up"},{"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":"If I use retirement account funds for equity, what are the rules?","url":"https://dealroom.so/sba-7a/questions/if-i-use-retirement-account-funds-for-equity-what-are-the-rules"},{"question":"What documentation is required for equity injection funds originating from a retirement account rollover?","url":"https://dealroom.so/for-lenders/questions/what-documentation-is-required-for-equity-injection-funds-originating-from-a-retirement-ac"},{"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 I use retirement funds from my IRA or 401k for an SBA 7(a) equity injection?","url":"https://dealroom.so/sba-7a/questions/can-i-use-retirement-funds-from-my-ira-or-401k-for-an-sba-7-a-equity-injection"},{"question":"Can funds from a retirement account, like a 401k, be used for equity injection if properly withdrawn?","url":"https://dealroom.so/for-lenders/questions/can-funds-from-a-retirement-account-like-a-401k-be-used-for-equity-injection-if-properly-w"},{"question":"Can funds from a retirement account, like an IRA or 401k, be used for my equity injection?","url":"https://dealroom.so/sba-7a/questions/can-funds-from-a-retirement-account-like-an-ira-or-401k-be-used-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 — Retirement fund","url":"https://dealroom.so/glossary/retirement-fund","source_type":"DealRoom Data"}}