Reimburse employees' individual health premiums pre-tax — skip group insurance entirely.
Individual Coverage HRA (ICHRA, any size employer) and Qualified Small Employer HRA (QSEHRA, <50 FTE) let a business give each employee a fixed pre-tax monthly allowance to buy their own ACA marketplace plan. Employer deducts; employee excludes from W-2. Escapes annual 8–20% group-premium hikes, arbitrary carrier drops, and admin overhead. Providers: Take Command, Gravie, Thatch, Zorro.
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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.