Roll 401(k) into C-corp equity; SBA funds 90% — buy $500K–$5M businesses with $0 out-of-pocket.
First-time acquirers with $50K+ in a 401(k) or IRA can use ROBS to fund the SBA-required 10% equity injection with retirement dollars (no penalty, no tax event). Combined with SBA 7(a) 90% financing and a small seller-carry, first-time buyers routinely close $1M–$5M business acquisitions with zero personal cash. Rigorous compliance (plan admin, 5500 filings) essential.
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.
Eligible veterans buy with $0 down, no PMI, and assumable rates.
0% down in USDA-eligible areas — includes many suburban zip codes.
Neighborhood Assistance Corp of America — below-market rate, zero down.
Fannie / Freddie low-income programs — 3% down + reduced PMI.
1.25–2.25% down for enrolled tribal members — nationwide.
State / county / employer DPA — $5K–$50K forgivable or 0% deferred 2nd.
$100 total down on FHA-repossessed homes for owner-occupants.
3.5% down + rehab budget rolled into one loan — buy distressed properties.