Glossary · Your money in the deal
In short
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.
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.
Defined by DealRoom.so SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
Figure out your down payment and equity injection
Tell us your purchase price and how you're funding the down payment — we'll sanity-check the equity injection and show what lenders will actually accept.
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