🦍 OBBB Play: How Small Biz Owners Can Defer Capital Gains With the New Opportunity Zone Rules
Opportunity Zones used to be a playground for the big-money developers. Now? Congress just opened the jungle to small businesses, family investors, and anyone with a capital gain looking for a smarter exit.
Let’s see how the new rules make OZs one of the best tax shelters in the game (and why even gorillas are moving out of the city for this one).
đź’ˇ How It Works: Deferral, Discount, and Tax-Free Growth
Sell a business, stock, crypto, or property?
You’ve got capital gains — and a tax bill looming.Reinvest those gains into a Qualified Opportunity Fund (QOF):
You defer the tax for 5 years.
(That’s 5 years with the IRS off your back.)After 5 years:
10% of your gain vanishes from tax.
Invest in a rural zone? That jumps to 30%.After 10 years:
Pay zero tax on all the new appreciation.
(Let your gains go bananas, totally tax-free.)
Example:
Sell your business for a $500K gain.
Park it in an OZ Fund.
No tax now. Partial discount later.
And if your investment grows? No tax on the upside — ever.
🏢 Use OZs for Your Own Business (Not Just Big Developers!)
The 2025 OBBB reboot means YOU can use OZs for:
Starting or expanding a business (restaurant, studio, retail, wellness, etc.)
Buying, building, or upgrading real estate
Launching a tech startup or ag project in a rural zone
Bonus: SMBs can “self-certify” a QOF — just file IRS Form 8996, roll in your own gains, and start building wealth tax-smart.
You can even invite friends and family with gains to invest in your business.
🌄 Rural Zones = Supercharged Benefits
30% basis bump after 5 years
Simpler “improvement” rules for real estate
Opens up tax breaks far from the concrete jungle
Perfect for boutique hotels, remote work hubs, or your next farm-to-table venture.
🦔 How Hedgi Helps
Tracks your capital gains and OZ investments
Keeps all QOF paperwork (and IRS filings) clean and audit-ready
Models deferral, basis, and tax-free growth so you see every angle
Shows you local OZs and how to “stack” with cost seg or other deductions
đź“ť Final Tips
Review your recent and upcoming gains (2023–2026). Why pay tax now if you can reinvest?
Look up your local Opportunity Zones — rural or urban, there’s more available than ever.
Consider setting up your own QOF if you’re going big on your next project.
Think exit + entry: Sell, depreciate, reinvest — repeat.
🎯 Bottom Line
Opportunity Zones just became a real tool for real SMBs.
Defer taxes, grow wealth tax-free, and maybe even help your community.
Let Hedgi keep you on track (and keep the gorillas from stealing your lunch).
Sign up for the waitlist and get a real Opportunity on your books.