Guidant Financial
At a Glance
The default ROBS provider if you are set on funding the injection from retirement savings; understand the risk to your nest egg before you do.
- Pricing
- Custom Pricing, ROBS setup runs roughly $4,995 to $6,000 with ongoing 401(k) plan administration around $125 to $150 a month; SBA loan facilitation and optional bookkeeping, payroll, and tax services are priced separately. Confirm current fees directly.
- Best For
- Buyers who want to use retirement savings as the SBA equity injection without a taxable withdrawal, and are comfortable with the ongoing plan-administration cost
Pros and Cons
Pros
- The most-established ROBS provider, founded 2003 with over $4.5B of small-business financing facilitated, and rated the best overall ROBS provider in 2026 roundups
- Turns a 401(k) or IRA into penalty-free, tax-deferred equity, which can supply the 10% injection an SBA acquisition loan requires
- One shop for the pieces around it: SBA loan arrangement plus optional bookkeeping, payroll, tax, and 401(k) administration
Cons
- ROBS puts your retirement savings into the business, so a failed deal can cost the nest egg as well as the equity
- It carries real setup and ongoing plan-administration fees, and the structure must be maintained correctly to stay compliant
- Customer reviews are mixed, with a Trustpilot rating near 2.6 out of 5 as of 2026
What Searchers Say
Founding, scale, ROBS ranking, and fee ranges verified against Guidant's own site and 2026 provider roundups; the mixed review scores come from aggregated customer reviews.
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