{"ok":true,"canonical_url":"https://dealroom.so/glossary/source-and-seasoning-of-funds","api_url":"https://dealroom.so/api/public/glossary/source-and-seasoning-of-funds","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-16","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"source-and-seasoning-of-funds","term":"Source and seasoning of funds","group":"Your money in the deal","definition":"This refers to where your equity injection money came from and how long you've held it. The SBA wants to ensure your down payment is genuinely yours and not borrowed or a disguised loan.","what_it_means":"Lenders require bank statement and brokerage statement for at least the last three months to verify the source and seasoning of funds. Funds must be unencumbered and out of pocket; if they appear suddenly or from an unknown source, expect scrutiny.","url":"https://dealroom.so/glossary/source-and-seasoning-of-funds","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":"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"},{"slug":"bank-statement","term":"Bank Statement","url":"https://dealroom.so/glossary/bank-statement"}],"related_questions":[{"question":"How does the SBA verify the source and availability of my equity injection funds?","url":"https://dealroom.so/sba-7a/questions/how-does-the-sba-verify-the-source-and-availability-of-my-equity-injection-funds"},{"question":"What documentation is required to verify the source and sufficiency of equity injection funds from the borrower's personal savings accounts?","url":"https://dealroom.so/for-lenders/questions/what-documentation-is-required-to-verify-the-source-and-sufficiency-of-equity-injection-fu"},{"question":"How does the SBA verify the source of my equity injection funds?","url":"https://dealroom.so/sba-7a/questions/how-does-the-sba-verify-the-source-of-my-equity-injection-funds"},{"question":"How does a lender verify the source and control of borrower's equity injection funds from a newly established business bank account?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-verify-the-source-and-control-of-borrower-s-equity-injection-funds-from-"},{"question":"What documentation is required to prove the source of my equity injection funds?","url":"https://dealroom.so/sba-7a/questions/what-documentation-is-required-to-prove-the-source-of-my-equity-injection-funds"},{"question":"What specific documentation is required to verify the source of my equity injection funds?","url":"https://dealroom.so/sba-7a/questions/what-specific-documentation-is-required-to-verify-the-source-of-my-equity-injection-funds"}]},"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 — Source and seasoning of funds","url":"https://dealroom.so/glossary/source-and-seasoning-of-funds","source_type":"DealRoom Data"}}