05/19/2026
Nobody warns small business owners about this part of a 401(k) loan.
You're not borrowing from a bank, you're borrowing from your future self.
A 401(k) loan can be a real lifeline when cash flow dries up or an emergency hits.
But the rules are not as simple as they look.
Miss a payment, leave your job, or hit a rough patch in your business and what started as a quick fix can become a big tax bill with penalties on top.
We break it all down in plain language so you know exactly what you're signing up for before you decide.