Broker Check
<br />401k Rollover Business Funding

401k Rollover Business Funding

We assist entrepreneurs looking to use their retirement funds to invest in their own business enterprise or franchise. This funding strategy allows you to buy a franchise, start a business from scratch or buy an existing business without taking a taxable distribution or incurring early withdrawal penalties. You can use your retirement funds, in a compliant manner, to implement or expand your business plan.



We are a finance company serving our client's business funding needs. Frequently, most banks have the policy to lend money only to those companies that don't really need it. Additionally, most banks are one-dimensional and only do one type of financing. They are not in a position to provide all the different types of financing small to medium-sized businesses need. IRA Angel Funding, with our expertise and our partnerships with national lenders, can provide all of your financing needs.

Click here for more information.

Rollover (R.O.B.S.) Funding

Rollover (R.O.B.S.) Funding

We specialize in assisting our clients access their eligible retirement accounts (not all retirement accounts are eligible) to fund the purchase (or expansion ) of a new or existing business or franchise with no tax, no penalty and no payment. We also help analyze whether this strategy can be combined with other sources of business funding.

Business Line of Credit

Business Line of Credit

In our efforts to help startups here at IRA Angel Funding, we offer the 1st Merchants program where you can get a LOC (Business Line of Credit) with No Personal Guarantee requirement. 

Use this link,, and follow the easy steps.

This link allows you to get an initial Line of Credit from $500 - $10,000 (basically the higher your credit score, the higher your initial line) when you meet the two following requirements:

1. Have a current merchant account or have a need for a merchant account.
2. Be a US resident.

As you will see the line of credit is through a long-term partner, we have worked with for years called 1st Merchants. It has no restrictions, and the line can increase over time. No bank statements or tax returns are needed. With your current credit history, this could add a strong source of emergency funding with the periodic reviews for increases. You will not be turned down if you're with 1st Merchants. We truly aim to help now and in the future.

Remember, this LOC does not require a PG (Personal Guarantee) which is rare in the startup lending industry. There is no Hard-Pull Inquiry to your personal credit so your personal credit score will not drop. You will also start to build your business credit history which will increase your chances for future business funding like a low interest rate, low payment SBA loan, if needed. Call us with any questions.



SBA guaranteed loans can be used for a variety of business purposes, including starting or expanding an existing business. SBA guaranteed loans are made through our lending partners in compliance with SBA regulations. SBA guaranteed loans can greatly benefit small businesses which need capital for expansion, inventory, buildings, equipment, exporting, and other needs.

Business Funding Options

Unsecured Business Finance

We can get you funding fast by leveraging the strength of your personal credit. Our in-depth understanding of small business lending means we can provide lines of credit to new and growing businesses in as fast as 2 weeks. About our credit lines:

  • Grow your business with up to $200,000
  • Flexible, only pay interest on funds you use
  • Will not hurt your personal credit
  • Easier to qualify for than personal credit
  • Approvals in 2 business days

Commercial Real Estate

Getting an equity-based private money loan should be quick and easy. That's why we focus on getting you approved and funded fast. We do loans on almost any property type with more options than any other equity-based lender. We work off of appraised value, not purchase price and have a long history of helping our borrows get projects done.

  • Funding $100,000 - $5,000,000
  • Interest only option - lower monthly payment
  • All property types considered
  • Fast - 3 weeks
  • No Personal Credit requirements
  • Bankruptcy OK
  • No use of funds restrictions
  • Foreclosure bailouts available
  • Stated income OK
  • After Repair Value appraisal in California and Arizona

Business Term Loans

We have facilitated over $250 million in funding to thousands of small businesses nationwide. We help you get the loan you need. Some quick facts about our loans:

  • Unbeatable rates starting at 6%
  • Loan amounts from $25,000 - $5,000,000
  • Low, fixed monthly payments
  • No personal collateral
  • Term Loan: 2 - 25 years or Line of Credit
  • See if you qualify in 48 hours at no cost
  • Funding in as little as 2 weeks