{"ok":true,"canonical_url":"https://dealroom.so/glossary/minimum-equity-injection","api_url":"https://dealroom.so/api/public/glossary/minimum-equity-injection","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":"minimum-equity-injection","term":"Minimum Equity Injection","group":"Your money in the deal","definition":"This is the minimum amount of your own cash you must put into the deal. The SBA generally requires at least 10% of the total project cost to be your equity injection.","what_it_means":"The SBA mandates a minimum equity injection to ensure you have \"skin in the game.\" This must be verifiable, unencumbered personal funds or other approved sources, typically 10% of the total project cost for an acquisition. Lenders will rigorously verify the source and seasoning of these funds.","url":"https://dealroom.so/glossary/minimum-equity-injection","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"},{"slug":"13-cfr-part-120","title":"13 CFR Part 120 — Business Loans","official_url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120","official_label":"View on eCFR","authority_tier":1,"publisher":"Office of the Federal Register","source_guide_url":"https://dealroom.so/sba-7a/sources/13-cfr-part-120"}],"related":[{"slug":"equity-injection","term":"Equity injection","url":"https://dealroom.so/glossary/equity-injection"},{"slug":"total-project-costs","term":"Total project costs","url":"https://dealroom.so/glossary/total-project-costs"},{"slug":"seasoned-funds","term":"Seasoned funds","url":"https://dealroom.so/glossary/seasoned-funds"},{"slug":"out-of-pocket","term":"Out of pocket","url":"https://dealroom.so/glossary/out-of-pocket"}],"related_questions":[{"question":"Is there a minimum cash portion for the equity injection?","url":"https://dealroom.so/sba-7a/questions/is-there-a-minimum-cash-portion-for-the-equity-injection"},{"question":"What is the SBA's minimum equity injection requirement for a business acquisition?","url":"https://dealroom.so/sba-loans/basics/what-is-the-sba-s-minimum-equity-injection-requirement-for-a-business-acquisition"},{"question":"What expenses are specifically excluded from counting towards the minimum 10% equity injection?","url":"https://dealroom.so/sba-7a/questions/what-expenses-are-specifically-excluded-from-counting-towards-the-minimum-10-equity-inject"},{"question":"Can the seller's contribution of working capital count towards my minimum equity injection?","url":"https://dealroom.so/sba-7a/questions/can-the-seller-s-contribution-of-working-capital-count-towards-my-minimum-equity-injection"},{"question":"What is the SBA's minimum required equity injection percentage for a business acquisition?","url":"https://dealroom.so/sba-7a/questions/what-is-the-sba-s-minimum-required-equity-injection-percentage-for-a-business-acquisition"},{"question":"What is the minimum equity injection (down payment) for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-minimum-equity-injection-down-payment-for-an-sba-7-a-loan"}]},"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 — Minimum Equity Injection","url":"https://dealroom.so/glossary/minimum-equity-injection","source_type":"DealRoom Data"}}