Benetrends Review 2026: The Original ROBS Provider
Benetrends invented ROBS (Rollover for Business Startups) in 1983, making them the original pioneer in retirement-funded business financing. With 40+ years of experience, they've helped over 15,000 entrepreneurs turn their retirement savings into successful businesses.
The Verdict
Benetrends is a solid ROBS choice with unmatched 40+ years of experience. Slightly lower fees than competitors, but fewer additional services. Great for straightforward ROBS needs.
Free ConsultationOfficial Link • Secure & Verified
Benetrends at a Glance
Benetrends: Pros and Cons
The Good
- Invented ROBS in 1983 (40+ years experience)
- Slightly lower fees than competitors
- A+ BBB rating with strong reputation
- 15,000+ successful business fundings
- Deep expertise in franchise funding
- SBA loan assistance available
- Strong relationships with franchise brands
- No hidden fees or surprise costs
The Bad
- Fewer additional services than Guidant
- Online dashboard not as modern
- No in-house payroll services
- Customer support can be slower
- Less marketing/branding resources
The Benetrends Story: ROBS Pioneers
In 1983, Benetrends founder Leonard Fischer pioneered a revolutionary concept: using retirement funds to start a business without taxes or penalties. What became known as ROBS (Rollover for Business Startups) was born.
Before Benetrends, entrepreneurs had two options: take a taxable distribution from their retirement (losing 30-40% to taxes and penalties) or borrow money and take on debt. Benetrends created a third path.
Today, Benetrends has helped over 15,000 entrepreneurs fund businesses ranging from franchises to independent startups. Their deep relationships with major franchise brands make them particularly strong for franchise buyers.
Benetrends Fees
| Fee Type | Amount | Notes |
|---|---|---|
| ROBS Setup Fee | ~$4,995 | Includes C-Corp, 401(k) plan, all docs |
| Monthly Administration | $129/month | Ongoing compliance and admin |
| Annual Cost | ~$1,548/year | Based on monthly admin fee |
| State Filing Fees | Varies | Depends on state of incorporation |
| SBA Loan Assistance | Included | No extra fee for SBA guidance |
Benetrends' fees are slightly lower than Guidant Financial, saving ~$120/year on administration.
Benetrends vs. Guidant Financial
| Feature | Benetrends | Guidant Financial |
|---|---|---|
| Setup Fee | ~$4,995 | ~$5,000 |
| Monthly Fee | $129 | $139 |
| Experience | 40+ years | 20+ years |
| Businesses Funded | 15,000+ | 25,000+ |
| BBB Rating | A+ | A+ |
| SBA Loan Services | Yes | Yes |
| Payroll Services | No | Yes |
| Modern Dashboard | Limited | Yes |
| Franchise Relationships | Strong | Good |
Bottom line: Benetrends offers lower fees and more experience, while Guidant provides more comprehensive services. Choose Benetrends for straightforward ROBS needs; choose Guidant if you want additional services like payroll.
Who Should Use Benetrends?
Ideal For
- Franchise buyers (strong franchise relationships)
- Entrepreneurs wanting proven track record
- Budget-conscious buyers (lower fees)
- Those who value experience over tech features
- Simple ROBS needs without extra services
- Those combining ROBS with SBA loans
May Not Be Ideal For
- Those wanting modern online dashboard
- Businesses needing payroll services
- Those preferring quick email support
- Tech-savvy entrepreneurs wanting apps
- Those needing extensive hand-holding
Benetrends FAQ
What does Benetrends charge for ROBS?
Benetrends charges approximately $4,995 for ROBS setup and around $129/month for ongoing administration. This is slightly lower than competitors like Guidant Financial.
Is Benetrends the original ROBS company?
Yes, Benetrends pioneered the ROBS funding method in 1983. They literally invented the concept of using retirement funds to start a business tax-free, making them the original ROBS provider.
How does Benetrends compare to Guidant?
Benetrends has more experience (40+ years vs 20+) and lower fees, but Guidant offers more additional services like payroll and a modern online dashboard. Both have A+ BBB ratings.
Does Benetrends help with SBA loans?
Yes, Benetrends assists clients who want to combine ROBS funding with SBA loans for additional capital. This is included in their services at no extra charge.
What's the minimum retirement funds needed?
Benetrends requires a minimum of $50,000 in eligible retirement funds (401k, IRA, 403b, etc.) to use their ROBS services.
Is Benetrends good for franchises?
Yes, Benetrends has particularly strong relationships with major franchise brands. They're one of the top choices for franchise buyers using ROBS funding.
Our Verdict: Benetrends
Benetrends is a solid, proven ROBS provider with unmatched experience in the industry. If you want lower fees and don't need extra services like payroll, Benetrends is an excellent choice. Their 40+ years of experience and strong franchise relationships make them particularly good for franchise buyers.