{"ok":true,"canonical_url":"https://dealroom.so/glossary/operating-account","api_url":"https://dealroom.so/api/public/glossary/operating-account","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":"operating-account","term":"Operating Account","aka":"Business checking account","group":"Reading the business","definition":"An operating account is the primary bank account used for a business's daily income and expenses. Analyzing its statements reveals the true cash flow and financial activity.","what_it_means":"During due diligence, review several years of operating account statements to verify revenues and expenses, identify unusual transactions, and confirm the business's actual cash flow. This provides a clear picture of the business's financial health, complementing the P&L and Balance Sheet.","url":"https://dealroom.so/glossary/operating-account","official_sources":[],"related":[{"slug":"bank-statement","term":"Bank Statement","url":"https://dealroom.so/glossary/bank-statement"},{"slug":"cash-flow","term":"Cash flow","url":"https://dealroom.so/glossary/cash-flow"},{"slug":"profit-and-loss-statement","term":"Profit and Loss Statement","url":"https://dealroom.so/glossary/profit-and-loss-statement"},{"slug":"balance-sheet","term":"Balance Sheet","url":"https://dealroom.so/glossary/balance-sheet"}],"related_questions":[{"question":"What documentation is needed to verify cash equity injection from a business's operating account prior to the 7(a) loan closing?","url":"https://dealroom.so/for-lenders/questions/what-documentation-is-needed-to-verify-cash-equity-injection-from-a-business-s-operating-a"},{"question":"Can funds from a personal investment account, like a brokerage account, count towards equity injection?","url":"https://dealroom.so/sba-loans/basics/can-funds-from-a-personal-investment-account-like-a-brokerage-account-count-towards-equity"},{"question":"Can funds from a personal investment account with fluctuating value, like a brokerage account, count towards equity?","url":"https://dealroom.so/sba-7a/questions/can-funds-from-a-personal-investment-account-with-fluctuating-value-like-a-brokerage-accou"},{"question":"Can I use funds from a personal investment account, like a brokerage account, for my equity injection?","url":"https://dealroom.so/sba-7a/questions/can-i-use-funds-from-a-personal-investment-account-like-a-brokerage-account-for-my-equity-"},{"question":"Can funds from a personal investment account, like a brokerage account, count towards the SBA 7(a) loan equity injection?","url":"https://dealroom.so/for-lenders/questions/can-funds-from-a-personal-investment-account-like-a-brokerage-account-count-towards-the-sb"},{"question":"How does a lender verify equity injection funds from a personal investment account with fluctuating values, like a brokerage account?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-verify-equity-injection-funds-from-a-personal-investment-account-with-fl"}]},"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 — Operating Account","url":"https://dealroom.so/glossary/operating-account","source_type":"DealRoom Data"}}