Small Business Funding Solutions
You Can Trust.

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Small Business
Funding and
Services You
Can Trust.

Tenet Financial Group helps business owners navigate the complex process of funding a venture, from start to finish. Whether you’re looking to start a franchise or recapitalize an existing business, our veteran advisors get you funded efficiently and securely, so you can focus on growing your business.

This field is for validation purposes and should be left unchanged.

Small Business
Funding You
Can Trust.

Tenet Financial Group helps business owners navigate the complex process of funding a venture, from start to finish. Whether you’re looking to start a franchise or recapitalize an existing business, our veteran advisors get you funded efficiently and securely, so you can focus on growing your business..

This field is for validation purposes and should be left unchanged.

funding options

401(k)/ROBS

SBA Loans

Unsecured Loans

Other

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Learning about business funding can be a daunting task when there’s so much to consider. Solution: fill out this short form to request a call with a funding consultant.

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By submitting a form, you agree to this website’s Terms of Service and you grant consent to receive information from Tenet Financial Group at the email address and/or telephone number you provided. This form does not obligate you in any way to do business with us.

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What our clients say about working with Us

Don’t take our word for it, read all about the success our clients have had over the years.

We Specialize in Rollover as Business Startups (ROBS)

Did you know that you can use your 401(k) retirement account to fund a business? Rollover as Business Startups (ROBS) allow you to reinvest your retirement in a new business venture without facing tax penalties, so you can hit the ground running!

It’s one of the best ways to fund a debt-free startup and open the door to a passive revenue stream that grows your wealth. Here’s how ROBS work.

401(k) Business Financing (Rollovers for Business Startups) -- What is it and how does it work?

Debt-Free Funding. No Tax Penalties.

Use your retirement funds to start or buy a business or franchise. You’ll avoid tax penalties and extra debt, giving you a cash-rich start.

A Quicker Path to Profitability.

401(k) business financing isn’t a loan or a distribution. You don’t have to worry about monthly payments or racking up interest. With 401(k) business financing, you make money sooner rather than later.

Easy to Qualify.

You don’t need to risk your home as collateral or have a minimum credit score. If you have $50,000 in rollable retirement funds, you can use Rollovers for Business Startups (ROBS) to fund your business.

Frequently asked questions

ROBS can be used to purchase or recapitalize any for-profit business or franchise. Home-based, brick-and-mortar, service-based…any business type!

ROBS is not a loan and does not have a repayment schedule like a loan. A rollover is the literal “rolling over” of a qualified pre-tax retirement account(s), and it is not the same as a taxable distribution. That means there is also zero IRS penalty for using these funds to invest in a new business or franchise.

Yes! ROBS has been an approved process since 1974.
Due to the fees involved with using a ROBS, a minimum $50,000 is recommended.

Yes! Tenet Financial Group has Volume Submitter status with the IRS and has administered thousands of plans. What’s more…Tenet Financial Group was started in 2008 using the very same ROBS funding plan we use with our clients today.

 ONE OF THE MOST COMMON QUESTIONS PEOPLE ASK WHEN RESEARCHING THE 401(K) STRATEGY IS,  “CAN I USE AN S CORP?” UNFORTUNATELY, NO. 

The 401(k) will only work with a C corporation because the necessary exemption, IRC § 4975(d)(13), is not available with an S corporation structure due to IRC § 4975(f)(6)(C). If you decide to do a stock buy-back at a later point when your company has generated sufficient funds, it is, at that time possible, to convert your C corporation into an S corporation. 

Under The Tax Cuts and Jobs Act, a C corporation’s income tax is a flat tax is 21%. 

Because a C corporation has a tremendous number of deductions available to it, it may never even show a profit. These deductions include discriminatory items such as those for highly-compensated employees or owners and non-discriminatory deductions available for all employees. 

Paper losses in a C Corporation structure can be carried over to offset a future years’ earnings 

The profits from a C corporation are not reported on the owner’s taxes (unlike an S corp or LLC). This means that the income from the business will not increase the individual’s tax-bracket or taxable income. 

C corporations can elect the parameters of their fiscal year to complement their business cycle. This can have a tremendous impact on the business’s taxable income. 

In most cases, the “Double Taxation” that theoretically can occur in a C corp, will not. Double taxation usually occurs when the C corp issues dividends, and there are no laws that require a corporation to declare one. For a smaller business, this issue is mitigated by the corporation’s ability to deduct salaries, bonuses and ordinary/necessary business expenses. Corporate taxes are not paid on these expenses and are fully deductible. 

Thousands of Happy Clients in Hundreds of Industries

Partner Center

Tenet Financial Group is proud to work with multiple partners in the small business and franchise industries. We understand your unique needs and those of your clients.