{"ok":true,"canonical_url":"https://dealroom.so/glossary/marketable-securities","api_url":"https://dealroom.so/api/public/glossary/marketable-securities","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"marketable-securities","term":"Marketable securities","group":"Your money in the deal","definition":"Investments like stocks, bonds, or mutual funds that can be quickly converted to cash. These can be used as part of your equity injection or pledged as collateral for an SBA loan, if unencumbered.","what_it_means":"If you're using marketable securities for your equity injection, you'll need to liquidate them and provide bank statements showing the funds are 'seasoned' (held for at least 90 days). If pledging as collateral, they must be unencumbered and held in a brokerage account that the lender can secure with a lien.","url":"https://dealroom.so/glossary/marketable-securities","official_sources":[{"slug":"sop-50-10","title":"SOP 50 10 — Lender and Development Company Loan Programs","official_url":"https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs","official_label":"View on SBA.gov","authority_tier":2,"publisher":"U.S. Small Business Administration","source_guide_url":"https://dealroom.so/sba-7a/sources/sop-50-10"}],"related":[{"slug":"equity-injection","term":"Equity injection","url":"https://dealroom.so/glossary/equity-injection"},{"slug":"unencumbered","term":"Unencumbered","url":"https://dealroom.so/glossary/unencumbered"},{"slug":"collateral","term":"Collateral","url":"https://dealroom.so/glossary/collateral"},{"slug":"seasoned-funds","term":"Seasoned funds","url":"https://dealroom.so/glossary/seasoned-funds"}],"related_questions":[{"question":"Can personal marketable securities (stocks/bonds) be used as collateral if business assets are insufficient?","url":"https://dealroom.so/sba-7a/questions/can-personal-marketable-securities-stocks-bonds-be-used-as-collateral-if-business-assets-a"},{"question":"Can pledged marketable securities, like stocks, serve as additional collateral for an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/can-pledged-marketable-securities-like-stocks-serve-as-additional-collateral-for-an-sba-7-"},{"question":"What criteria justify a lender waiving a lien on readily marketable personal assets from a guarantor?","url":"https://dealroom.so/for-lenders/questions/what-criteria-justify-a-lender-waiving-a-lien-on-readily-marketable-personal-assets-from-a"},{"question":"When can a lender waive the requirement for a lien on readily marketable personal assets of a guarantor?","url":"https://dealroom.so/for-lenders/questions/when-can-a-lender-waive-the-requirement-for-a-lien-on-readily-marketable-personal-assets-o"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — Marketable securities","url":"https://dealroom.so/glossary/marketable-securities","source_type":"DealRoom Data"}}