{"ok":true,"canonical_url":"https://dealroom.so/glossary/personal-investment","api_url":"https://dealroom.so/api/public/glossary/personal-investment","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":"personal-investment","term":"Personal Investment","aka":"Equity Injection, Down Payment","group":"Your money in the deal","definition":"This is the amount of your own money you contribute to the deal. The SBA requires a minimum personal investment, showing your commitment and reducing the loan amount.","what_it_means":"For a 7(a) business acquisition, you typically need to inject at least 10% of the total project costs from your own seasoned funds. This equity injection is crucial for meeting SBA requirements and demonstrating your skin in the game.","url":"https://dealroom.so/glossary/personal-investment","official_sources":[{"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"},{"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":"seasoned-funds","term":"Seasoned funds","url":"https://dealroom.so/glossary/seasoned-funds"},{"slug":"total-project-costs","term":"Total project costs","url":"https://dealroom.so/glossary/total-project-costs"},{"slug":"down-payment","term":"Down payment","url":"https://dealroom.so/glossary/down-payment"}],"related_questions":[{"question":"Are proceeds from personal investment sales eligible for equity injection?","url":"https://dealroom.so/sba-7a/questions/are-proceeds-from-personal-investment-sales-eligible-for-equity-injection"},{"question":"What documentation verifies funds for equity injection transferred from a personal investment account?","url":"https://dealroom.so/for-lenders/questions/what-documentation-verifies-funds-for-equity-injection-transferred-from-a-personal-investm"},{"question":"What documentation is required to verify equity injection funds from a personal investment account?","url":"https://dealroom.so/sba-7a/questions/what-documentation-is-required-to-verify-equity-injection-funds-from-a-personal-investment"},{"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 personal assets other than my home, like a personal investment account, be used as collateral for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/can-personal-assets-other-than-my-home-like-a-personal-investment-account-be-used-as-colla"},{"question":"Can funds from a personal investment account, like stocks or bonds, be used for my equity injection?","url":"https://dealroom.so/sba-7a/questions/can-funds-from-a-personal-investment-account-like-stocks-or-bonds-be-used-for-my-equity-in"}]},"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 — Personal Investment","url":"https://dealroom.so/glossary/personal-investment","source_type":"DealRoom Data"}}