Join a PEO (Justworks/TriNet/Insperity) — get Fortune-500 health & 401(k) rates.
Professional Employer Organizations pool thousands of SMBs into one large employer for benefits underwriting. Result: your 5-person startup gets the same health, dental, vision, life, disability, and 401(k) pricing as a 10,000-person company — often 15–35% below what you'd get direct. Also handles payroll, WC, unemployment filings, HR compliance. Fees $50–$150/employee/mo — usually more than offset by benefit savings.
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.