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This method of business financing, formally known as Rollovers for Business Start-ups, allows you to leverage money in an existing retirement account to invest in a business or franchise. 401(k) rollovers don't trigger a taxable distribution, and they enable you to start your business debt-free if you have enough saved up to cover the full expense.
Loans from the Small Business Administration are common and preferable for start-ups because they offer minimal risk and low interest rates. SBA loans are partially guaranteed by the federal government, meaning the government will repay the lender up to a certain amount if you ever default on the loan.
Similar to traditional SBA loans, SBA Express offers the added benefit of expedited service. Perfect for businesses who don't need as much capital to get started, SBA Express loans require less documentation and can close in a little as 45 days.
Because there's no collateral needed to qualify for unsecured loans, this business financing option highlights fast turnaround time — three weeks or less.
Rather than liquidating your securities, portfolio loans allow you to put the value of your stocks, bonds, mutual funds and other securities to good use. Portfolio loans feature low interest rates and can be finalized in two weeks, allowing to you get up and running sooner rather than later.