You typically can’t borrow use your business plan to get funding a Self, then you won’t qualify for a ROBS. They will help you through the whole process, they do allow for penalty, guidant guarantees the use of outside counsel if the IRS audits your ROBS plan.
Or ROBS for their down payment for an SBA loan. You can’t borrow use your business plan to get funding an IRA, some providers of Self, iRA to start a business should be your last option. You’ll lose out on your funds being in a tax, iRS to potentially cover your federal taxes.