Small business loans have been fairly difficult to come by, to say the least. CIT, a huge small business lender, although not the only game in town, has done a nice volume of loans for the franchise and small business start-up community in years past. So now what?

Now, it's time to start seriously thinking of creative financing arrangements. Although controversial, maybe tapping into your 401K's for some of your start-up funds, isn't a bad idea.

I have noticed that most of the negative comments concerning the 401K rollover plan ideas come from CPA's. it's very predictable;

A prospective franchise owner goes to his or her CPA's office armed with information on a 401K Rollover plan, and the CPA says...

"I really don't recommend doing that. Your retirement funds are meant to be used for your retirement."

The franchise candidate says "I feel that if I don't take a shot at building some equity for myself in a business of my own, I'll never be able to have a nice retirement lifestyle, anyway."

Therein lies the conundrum. (Definition-A paradoxical, insoluble, or dif