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Finance a small business, startup or franchise with retirement funds, not a loan!
Small Business Financing
Small business financing with capital already sitting in your IRA, 401(k) rollover or other retirement account lowers your debt and increases profitability. By rolling your funds into Guidant's 401(k) plan - Audeo - you can buy a small business or franchise as an investment inside your retirement plan... without distribution penalties!
Guidant's 401(k) rollover strategy, Audeo, is a form of small business financing that allows you to invest in something you can truly control while significantly affecting its value. Lower the overhead of your new business and enjoy higher retirement-account returns along with other outstanding benefits:
Utilize funds from retirement accounts like IRAs, 401(k)s, 403(b)s, Keoghs, SEPs, etc., without incurring early distribution taxes or penalties
Launch your small business or franchise with minimal (if any) debt while securing significant tax benefits
Use up to 100% of your retirement funds, or use a portion as a down payment on an SBA, unsecured or home equity loan
Combine your retirement funds with the retirement funds of a business partner or spouse
Save thousands in interest fees and protect your personal credit
Invest profits tax-deferred back into your business or pension plan
Lower business overhead while aggressively growing your retirement account
Position yourself for faster success!
Small business financing with your retirement funds and Guidant's financial expertise saves you time, expense and worry. To learn how you can finance a small business or franchise while enjoying significant tax and credit advantages, click on the "Advantages" link below.
The Advantages
Guidant cultivates the entrepreneurial spirit by empowering individuals to take control of their future through business ownership. The advantages of using this program over other financing options are substantial both in regards to profitability and the success rate of new businesses. Some of these benefits are:
Debt Free - Cash Rich. Your retirement funds can be structured as an investment into the business, so there are no debts that increase your overhead. Instead of sending money to a bank in the form of interest payments, that money can be reinvested in marketing, staff or equipment that helps the business grow faster.
Invest In Yourself. Use your retirement funds to invest in a business where you determine the rewards; you control the success of your retirement investment.
Lower Your Overhead. Using retirement funds to start a business does not require bank loans or tapping into your home equity. Now the initial revenue your business generates can go into developing the business rather than paying off debt. Less debt means a quicker path to profitability.
Enjoy Tax-Deferred Savings. Paying taxes and penalties can minimize the amount of money available for you to invest. By avoiding unnecessary penalties and taxes, the Audeo™ program enables you to save more money for retirement.
Leverage Additional Funding. While using Audeo™ can decrease the amount of money needed, many still need or want to obtain additional funding. These added funds can potentially allow for the purchase of a larger or multi-unit business or franchise. Many Guidant clients use Audeo™ to fund the down payment necessary to qualify for an SBA loan.
How it Works
At Guidant our goal is to ensure the funding process of our clients business or franchise is as simple and beneficial as possible. The following describes the steps that Guidant takes to roll existing funds into a new business or franchise - but your representatives will be handling almost all of the legwork.
STEP 1 | Form a Corporation
Guidant will form this corporation or work with your attorney during the formation process.
STEP 2 | Corporation Sponsors a 401(k) Plan
Guidant's unique 401(k) Plan has been designed to allow for investment into your corporation. The 401(k) Plan comes complete with a favorable determination letter from the IRS at no additional charge.
STEP 3 | Rollover to new 401(k) Plan
Guidant will help you through the process of moving your retirement funds from your previous employer or IRA into the new Guidant 401(k) Plan.
STEP 4 | 401(k) Plan Invests in the Corporation
Your new 401(k) Plan purchases stock in the corporation. This 401(k) Plan now holds stock in the corporation and the business is debt-free and cash-rich from the sale of the stock. At this point, the corporation will now be able to purchase your new business or franchise.
Client Testimonials
"Everyone who assisted us at Guidant went the extra mile, we felt very secure and comfortable. Guidant exceeded our expectations and is giving us the opportunity to grow our retirement accounts faster than we ever dreamed. Another positive aspect about working with Guidant is that the whole process took less than a month to complete." Sandy and Duffy Groener
Owners of Molly Maid in Fargo/Moorhead, ND
"I chose this financing option because I didn't want to incur a large sum of debt right off the bat, and I needed the money quickly. Guidant was able to help me; their process was more developed and structured than their competitors. Their timeliness of response and thorough follow-up through every-step reassured me that they were right for me." Marvin Beasley
1-800-Radiator, West Bloomfield, MI
To learn more about the opportunities that come with financing
your new business with your IRA, please fill out the form below.
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Small business financing with capital already sitting in your IRA, 401(k) rollover or other retirement account lowers your debt and increases profitability. By rolling your funds into Guidant's 401(k) plan - Audeo - you can buy a small business or franchise as an investment inside your retirement plan... without distribution penalties!
