Guidant Financial Review 2026: ROBS Leader
Guidant Financial is one of the most trusted names in ROBS (Rollover for Business Startups) funding. With 20+ years of experience and 25,000+ businesses funded, they're the go-to choice for entrepreneurs looking to use retirement funds to start a business. Here's our complete review.
The Verdict
Guidant Financial is our top choice for ROBS funding. Their 20+ years of experience, comprehensive services, and strong track record make them ideal for serious entrepreneurs with $50k+ in retirement funds.
Free ConsultationOfficial Link • Secure & Verified
Guidant Financial at a Glance
Guidant Financial: Pros and Cons
The Good
- 20+ years of ROBS experience (industry leader)
- 25,000+ successful business fundings
- A+ BBB rating with excellent customer reviews
- Comprehensive services beyond just ROBS (SBA loans, payroll)
- Dedicated funding specialist assigned to each client
- Strong compliance team to keep you IRS-compliant
- Free initial consultation with no obligation
- Combine ROBS with SBA loan for larger funding
The Bad
- Higher setup fees than some competitors (~$5,000)
- Monthly admin fees ($139/month) add up over time
- $50,000 minimum may exclude some entrepreneurs
- C-Corporation requirement limits flexibility
- Process takes 3-4 weeks to complete
How Guidant Financial's ROBS Process Works
Free Consultation
Speak with a funding specialist to determine if ROBS is right for your situation. They'll review your retirement assets, business plans, and goals.
Plan Design & Formation
Guidant creates your C-Corporation and designs a custom 401(k) plan that allows investment in employer stock. All legal docs are prepared.
Retirement Rollover
Your existing 401(k) or IRA funds are rolled over into the new company's 401(k) plan tax-free and penalty-free.
Stock Purchase
The 401(k) plan purchases stock in your C-Corporation at fair market value, transferring capital to your business.
Ongoing Compliance
Guidant handles annual 401(k) administration, IRS filings, and compliance monitoring to keep everything legal.
Guidant Financial Fees
| Fee Type | Amount | Notes |
|---|---|---|
| ROBS Setup Fee | ~$5,000 | Includes C-Corp formation, 401(k) plan, legal docs |
| Monthly Administration | $139/month | Ongoing compliance and 401(k) admin |
| Annual Plan Fees | ~$1,668/year | Based on monthly admin fee |
| State Filing Fees | Varies | Depends on your state of incorporation |
| SBA Loan (Optional) | Varies | If combining ROBS with SBA financing |
* Fees are approximate and may vary based on your specific situation. Contact Guidant for a detailed quote.
Guidant vs. Other ROBS Providers
| Feature | Guidant Financial | Benetrends |
|---|---|---|
| Setup Fee | ~$5,000 | ~$4,995 |
| Monthly Fee | $139 | $129 |
| Experience | 20+ years | 40+ years |
| Businesses Funded | 25,000+ | 15,000+ |
| BBB Rating | A+ | A+ |
| SBA Loan Services | Yes | Yes |
| Payroll Services | Yes | No |
| Online Dashboard | Yes | Limited |
What Customers Say About Guidant
"Guidant made the ROBS process smooth and stress-free. My funding specialist was knowledgeable and walked me through every step. I'm now running a successful franchise!"
"The setup fees are higher than I expected, but the peace of mind knowing everything is done correctly is worth it. Their compliance team is excellent."
"After being turned down for bank loans, ROBS through Guidant was my path to business ownership. They combined my 401k with an SBA loan for full funding."
Who Should Use Guidant Financial?
Ideal For
- Entrepreneurs with $50k+ in retirement funds
- Franchise buyers needing reliable funding
- Those wanting hands-on support and guidance
- People combining ROBS with SBA loans
- Those prioritizing compliance over cost
- Business owners needing payroll services
May Not Be Ideal For
- Those with less than $50k in retirement
- Budget-conscious buyers (fees are higher)
- Passive investors (must work in business)
- Those wanting LLC structure (C-Corp required)
- People in a rush (process takes 3-4 weeks)
Guidant Financial FAQ
What does Guidant Financial charge for ROBS setup?
Guidant Financial charges approximately $5,000 for ROBS setup, which includes C-Corp formation, 401(k) plan creation, and all legal documentation. Monthly administration fees are around $139.
Is Guidant Financial legitimate?
Yes, Guidant Financial is a legitimate and well-established ROBS provider. They've been in business since 2003, have an A+ BBB rating, and have helped fund over 25,000 businesses using retirement funds.
How long does the ROBS process take with Guidant?
The typical ROBS setup through Guidant takes 3-4 weeks from start to funding. The timeline can vary based on state filing requirements and how quickly you complete paperwork.
Can I combine ROBS with an SBA loan?
Yes, Guidant Financial specializes in combining ROBS funding with SBA loans for larger capital needs. Many clients use ROBS for equity and an SBA loan for additional working capital.
What retirement accounts can I use with Guidant?
You can use 401(k), 403(b), Traditional IRA, SEP IRA, and most other tax-deferred retirement accounts. Roth IRAs generally cannot be used for ROBS.
What happens if my business fails?
If your business fails, you could lose the retirement funds you invested. Guidant provides education and support, but ultimately the business risk is yours. This is why they recommend having a solid business plan.
Our Verdict: Guidant Financial
Guidant Financial is our top recommendation for ROBS funding. While their fees are on the higher side, the combination of experience (25,000+ businesses funded), comprehensive services, and excellent compliance support makes them worth the investment. If you're serious about using your retirement to start a business, Guidant is the safest choice.
No obligation. Speak with a funding specialist about your situation.