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Business Directed Retirement Account

The Business Directed Retirement Program allows you to be both the owner and the investor. Start or grow your business without giving over equity or incurring debt.

Program Overview

A Business Directed Retirement Account (“BDRA”) allows you to invest retirement assets, in whole or in part, directly into your business without any penalties or taxable distributions. You can use funds from a 401(k), most IRAs, and many other types of profit sharing and retirement accounts.

BENEFITS INCLUDE

  • No Tax Penalties
  • No Loans
  • No Banks
  • Not Based on Credit
  • Maintain Complete Control
  • No Collateral Needed or Risk of Personal Assets
  • Start Your Business Debt-Free

Once you use retirement funds to grow your business, you can pay back your retirement account. If your business performs at a higher rate than your retirement account, then you have the opportunity to grow your retirement savings even more quickly.

Compare the Business Directed Retirement Program to a Business Loan

Lender

BDRA
Interest Payments
 1-2% Loan Orig. Fee; 4-7%+ avg. interest rate. This is not a loan. No interest payments.
Debt
 Avg. commercial loan from a domestic bank is $142,000. At 7% interest, a 10 yr. payoff costs about $1,650/mo No debt is incurred. Faster path to profitability.
Personal Liability
 Most lenders want at least 40% of a small business loan collateralized. This puts personal assets such as your home at risk. No collateral needed. All personal assets are protected.
Time to Receive Funds
 2-6 months process involving underwriting, appraisals, and more. As fast as 2 weeks. Typically 21 days.
Potential for Denial
 Banks may deny based on poor credit, lack of business experience, or poor financials. None
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