{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/can-a-commitment-to-inject-additional-working-capital-after-closing-count-towards-my-equit","api_url":"https://dealroom.so/api/public/questions/can-a-commitment-to-inject-additional-working-capital-after-closing-count-towards-my-equit","question":"Can a commitment to inject additional working capital after closing count towards my equity injection?","topic":"What counts toward the 10%","audience":"borrower","bot_mode":"buyer","short_answer":"No, a commitment to inject working capital after closing generally does not count towards the required minimum 10% equity injection for an SBA 7(a) acquisition loan. The equity must be injected at or prior to closing.","rule":"SBA rules require the equity injection to be tangible and 'at risk' at the time of loan closing. Funds committed for future injection, such as post-closing working capital, are not considered part of the initial equity calculation. The lender must verify that the full equity injection has been made prior to disbursement.","example":"If you are buying a business for $1,000,000 and need $100,000 equity, a promise to inject an additional $25,000 as working capital six months post-closing cannot be used to meet the initial $100,000 requirement.","what_lenders_check":"Lenders need to ensure the borrower's equity is fully in place and 'at risk' from day one. Future commitments, while beneficial, do not satisfy the immediate equity requirement because their actual injection is not guaranteed.","required_facts":["Post-closing commitment","Equity at closing","Tangible injection","Verification of funds"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans"],"official_sources":[{"title":"SOP 50 10 - Lender and Development Company Loan Programs","url":"https://www.sba.gov/sites/default/files/2025-05/SOP%2050%2010%208%20Technical%20Updates%20effective%206.1.2025.docx"},{"title":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"}],"related_questions":[{"question":"Can renovation costs for an acquired business premises count towards my required 10% equity injection?","url":"https://dealroom.so/sba-7a/questions/can-renovation-costs-for-an-acquired-business-premises-count-towards-my-required-10-equity"},{"question":"Can the fair market value of equipment I already own and contribute to the acquired business count towards my equity?","url":"https://dealroom.so/sba-7a/questions/can-the-fair-market-value-of-equipment-i-already-own-and-contribute-to-the-acquired-busine"},{"question":"Can sweat equity or future services I provide to the business count towards the required equity injection?","url":"https://dealroom.so/sba-7a/questions/can-sweat-equity-or-future-services-i-provide-to-the-business-count-towards-the-required-e"},{"question":"Are pre-closing legal and accounting fees eligible to be counted towards my equity injection?","url":"https://dealroom.so/sba-7a/questions/are-pre-closing-legal-and-accounting-fees-eligible-to-be-counted-towards-my-equity-injecti"},{"question":"Besides cash, what non-cash assets can I contribute to meet the 10% equity injection for an $800,000 acquisition?","url":"https://dealroom.so/sba-7a/questions/besides-cash-what-non-cash-assets-can-i-contribute-to-meet-the-10-equity-injection-for-an-"},{"question":"Can a substantial pre-paid rent deposit on a commercial lease count towards the equity injection for a business acquisition?","url":"https://dealroom.so/sba-7a/questions/can-a-substantial-pre-paid-rent-deposit-on-a-commercial-lease-count-towards-the-equity-inj"}],"related_terms":[{"term":"Working Capital Injection","url":"https://dealroom.so/glossary/working-capital-injection"},{"term":"Capital Injection","url":"https://dealroom.so/glossary/capital-injection"},{"term":"Working capital","url":"https://dealroom.so/glossary/working-capital"},{"term":"Equity injection","url":"https://dealroom.so/glossary/equity-injection"},{"term":"7(a) Working Capital Pilot Program","url":"https://dealroom.so/glossary/7-a-working-capital-pilot-program"},{"term":"Revolving working capital","url":"https://dealroom.so/glossary/revolving-working-capital"}],"related_tools":[{"name":"SBA 7(a) payment & fee calculator","url":"https://dealroom.so/sba-7a/calculator"},{"name":"Find an active SBA 7(a) lender","url":"https://dealroom.so/lenders"}],"data_freshness":{"last_reviewed":"2026-06-14","sba_rule_sources_checked_through":"2026-06-14"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","url":"https://dealroom.so/sba-7a/questions/can-a-commitment-to-inject-additional-working-capital-after-closing-count-towards-my-equit","source_type":"DealRoom Q&A"},"caveats":["Grounded in the current SBA rulebook; verify against official sources before relying on it for a live deal.","Not legal, tax, or financial advice and not an approval decision."]}