BORSA™Plan
BUSINESS OWNER’S RETIREMENT
SAVINGS ACCOUNT
That’s where the BORSA™ Plan comes in. Developed and delivered by DRDA, LLC, the BORSA™ (Business Owner’s Retirement Savings Account) is a powerful, IRS-compliant strategy that allows you to use qualified retirement funds to finance a business—tax- and penalty-free.
Whether you’re purchasing a franchise, acquiring a business, or adding capital to an existing company, the BORSA™ plan gives you a smarter way to invest in your own success.
Contact Bryan Uecker at 281-954-6004 or bryan.uecker@drdacpa.com for a free consultation and to learn if the BORSA™ Plan is right for your business goals.
Looking to fund your business without taking on debt or facing hefty tax penalties?
What Is a BORSA™ Plan?
The BORSA™ is a self-directed 401(k) structure that allows you to roll over funds from an IRA, 401(k), or other qualified retirement account into a newly formed business entity—without triggering taxes or early withdrawal penalties.
Instead of taking a distribution and losing 40–50% to taxes and penalties, the BORSA™ structure lets you:
Access your retirement funds tax and penalty free
Invest those funds into your own business as working capital
Comply fully with IRS rules governing ROBS (Rollover as Business Start-Up) arrangements
In other words, it’s your retirement savings—working for you today.
BORSA™ + SBA Loans: A Smarter Funding Strategy
Planning to apply for an SBA loan to buy or expand a business? With BORSA™, your retirement funds can be used as the equity injection or down payment for an SBA 7(a) or 504 loan. Since these funds are not debt, they improve your debt-to-equity ratio and help you qualify more easily.
DRDA has taught this structure to lenders across the country and has helped entrepreneurs since 2005 use BORSA™ to:
Meet SBA requirements
Strengthen loan applications
Retain full ownership without diluting equity
The result? You can fund your business with your own resources, supported by expert-backed lending strategies.
Real Clients.
Real Success.
Want to hear from someone who’s used BORSA™ to launch their dream business? Watch this short video to hear one client’s story of how DRDA’s BORSA™ structure helped them fund and grow a successful business—without taxes, penalties, or stress.
For a deeper dive into the technical and legal foundation of the BORSA™ plan, explore:
DRDA’s ROBS Structure Overview
How It™Works: The BORSA™ Process
Set Up a C-Corporation (Required for ROBS compliance)
Establish a New 401(k) Plan for your new business
Rollover Existing Retirement Funds into the new plan
Invest Those Funds into stock of your corporation
Use the Capital to fund or grow your business
We guide you through each step, coordinate with legal partners, and handle all compliance tasks—so you can focus on building your business.
Let’s Talk About Funding Your Future
The BORSA™ Plan has helped thousands of entrepreneurs launch or grow their business using their own money—without incurring tax or penalty costs. If you’re ready to invest in yourself, we’re here to help you do it the right way.
Contact Bryan Uecker
at 281-954-6004 or bryan.uecker@drdacpa.com for a free consultation and to learn if the BORSA™ Plan is right for your business goals.
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