Glossary · Your money in the deal
In short
A strategy that allows you to use funds from your retirement accounts (like a 401k or IRA) to fund your business without incurring taxes or early withdrawal penalties.
ROBS involves setting up a new C corporation and a 401(k) plan within it, then rolling over your existing retirement funds into that new 401(k). The new 401(k) then invests in your C corporation, providing equity for your acquisition. This is a complex strategy requiring specialized advisors, but can be a powerful equity injection source.
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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