Glossary · Your money in the deal
Qualified plan
In short
This term refers to tax-advantaged retirement plans like 401(k)s or IRAs, governed by ERISA. Funds from these plans can sometimes be used for a business acquisition without immediate tax penalties through a ROBS structure.
What it means in a deal
If you're considering using your retirement funds for your equity injection, you'll likely be dealing with a "qualified plan" through a Rollovers for Business Start-ups (ROBS) arrangement. This complex structure allows you to invest your retirement savings into your new business while maintaining the tax-deferred status of the funds. Consult a ROBS provider and tax advisor to ensure compliance.
Related terms
Common questions about Qualified plan
- What documentation proves U.S. citizenship or Qualified Alien status for owners?
- Can a Qualified Alien without permanent residency obtain an SBA 7(a) loan?
- Can I get pre-qualified for an SBA 7(a) loan before identifying a specific business to acquire?
- What specific documentation is required to verify citizenship or qualified non-citizen status for 7(a) loan applicants?
- Is a comprehensive business plan mandatory for an SBA 7(a) loan?
- Is a detailed business plan necessary for an SBA 7(a) loan application?
Defined by CapBench SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
Figure out your down payment and equity injection
Tell us your purchase price and how you're funding the down payment — we'll sanity-check the equity injection and show what lenders will actually accept.
Free · No documents · Usually same-day
Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.