Borrow up to $50K from your own 401(k) at prime+1 — interest paid back to yourself.
Most 401(k) plans allow participant loans up to the lesser of $50,000 or 50% of vested balance. Interest (typically prime + 1%) is repaid to your OWN account — you become your own lender. No credit check, no underwriting, funded in days. Use for down payments, business capital, or short-term bridge. Risk: leaving the job triggers a 60–90 day payoff or the balance is treated as a taxable distribution (+10% penalty if under 59½).
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Buy a $1M–$5M business with 10% down, 10-yr amortization.
10% down, 20–25 yr fixed for owner-occupied real estate.
Owner becomes the bank — negotiate rate, term, and structure.
Tap home equity to fund higher-yield investments.
Borrow against your stock portfolio without selling.
Speed capital for flips, bridges, and value-add plays.
Rental loans qualified on property cash flow, not personal DTI.
Raise from LPs to acquire larger assets you couldn't alone.