401(k) Business Rollover Options

Starting your own business requires a significant amount of startup capital. If you have a healthy nest egg in your retirement account, you may be eligible for various 401(k) business rollover options. Pango Financial offers a range of 401(k) business funding solutions with our DreamSpark plan, making it easy for you to roll your retirement funds into a brand-new account. Avoid tax penalties and offer retirement solutions to your hardworking employees!

We also offer information about a variety of other business funding solutions, including SBA loans and unsecured lines of credit. With our 401(k) for startup options, you can make your retirement funds easier to access for a range of business expenses.

Browse our 401(k) business rollover options, and take control of your financial future today. If you’ve got any questions about the business funding solutions outlined below, please contact us for further support.

DreamSpark® 401(k) rollover plan

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DreamSpark® 401(k) rollover plan

Our various DreamSpark® 401(k) rollover options for business startups allow you to use your 401(k) retirement funds as working capital for your business—without incurring penalties.

Access existing retirement funds to invest in a new or existing business with 401(k) rollover options
Tax-deferred and penalty free
Funds can be obtained in about 3 weeks
Can use funds as capital for down payment on an SBA loan
Retirement savings plan

Startup 401(k) rollover plans are based on:

Availability of sufficient qualified retirement plan (401K, IRA, PSP, 403(b), SEP IRA, or Gov 457(b))
Roth accounts are not eligible
Minimum $20k required

Available Funding Options

Conventional Bank Loans

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Conventional Bank Loans

An established source for your business funding, a conventional bank loan may be secured or unsecured, and has a set term, set amount borrowed and interest rate.

Can be used for any aspect of running a business
Secured or unsecured
Fixed business loan term and annual percentage rate

Based on:

Strong personal credit
FICO score of 680 or higher

Equipment Funding

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Equipment Funding

Avoid costly depreciation by leasing your equipment with one of our DreamSpark 401k rollover plan options. It offers potential tax savings and doesn’t require additional collateral.

Equipment leasing of $10K or more
No additional collateral
Fixed rate financing
Longer repayment terms

Based on:

Strong business model
Good individual credit
FICO score of 650 or higher

Marketable Securities

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Marketable Securities

Use your stock portfolio as collateral for a low interest rate loan for business funding.

Use of stock portfolio as collateral for a loan
Low interest rates

Based on:

Eligible investments
Collateral required in the form of securities

Accounts Receivable

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Accounts Receivable

Use your receivables (invoices) as a means of generating a consistent and steady cash flow.

Use of receivables (invoices) to generate steady cash flow without borrowing
Not a business loan––a buy/sell agreement between two parties
Can be used for any aspect of running a business

Based on:

Established business
Good individual credit
FICO score of 650 or higher
Start-ups are not eligible

Unsecured Line of Credit

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Unsecured Line of Credit

An unsecured line of credit doesn’t require collateral, and if you have solid credit, we can help you get quick approval and business funding with one of our DreamSpark 401k rollover plan options.

Unsecured personal line of credit
No collateral required
Access to line of credit when needed

Based on:

Strong personal credit and no bankruptcy
FICO score of 680 or higher

SBA Loans

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SBA Loans

The U.S. Small Business Administration guarantees small business loans for banks, with attractive terms and lower interest rates. It’s a good option when buying an existing business or a new franchise.