{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/can-a-gift-from-my-adult-child-count-towards-my-required-sba-7-a-equity-injection","api_url":"https://dealroom.so/api/public/questions/can-a-gift-from-my-adult-child-count-towards-my-required-sba-7-a-equity-injection","question":"Can a gift from my adult child count towards my required SBA 7(a) equity injection?","topic":"Gift funds","audience":"borrower","bot_mode":"buyer","short_answer":"Yes, a gift from an adult child can count towards your equity injection, but it must be an unconditional gift and properly documented.","rule":"Gifted funds from immediate family members are acceptable for equity injection, provided there's a signed gift letter stating the funds are an unconditional gift, with no repayment expected, and the donor has sufficient liquid assets to support the gift.","example":"If your mother gifts you $50,000 for your $100,000 down payment, your lender will need a gift letter from her and bank statements showing she has those funds and the transfer to your account.","what_lenders_check":"Lenders scrutinize gift funds to ensure they are truly unconditional and do not represent a disguised loan. They will verify the donor's ability to provide the gift and track the funds from the donor's account to the borrower's account, then into the business.","required_facts":["Gift letter","Immediate family","Unconditional funds","Donor solvency","Fund trace"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans","SBA Form 1919 - Borrower Information Form"],"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"},{"title":"SBA Form 1919 - Borrower Information Form","url":"https://www.sba.gov/sites/default/files/2025-03/2025.02.27%20Form%201919%20-%20Updates%20%28FINAL%29_03-12-2025%20%281%29.pdf"}],"related_questions":[{"question":"What documentation is needed to verify a gift from a family member for my $100,000 equity injection?","url":"https://dealroom.so/sba-7a/questions/what-documentation-is-needed-to-verify-a-gift-from-a-family-member-for-my-100-000-equity-i"}],"related_terms":[{"term":"SBA 7(a) program","url":"https://dealroom.so/glossary/sba-7-a-program"},{"term":"SBA 7(a) loan","url":"https://dealroom.so/glossary/sba-7-a-loan"},{"term":"Equity injection","url":"https://dealroom.so/glossary/equity-injection"},{"term":"SBA 7(a) Loan Program","url":"https://dealroom.so/glossary/sba-7-a-loan-program"},{"term":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"},{"term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"}],"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":"2026-06-13","sba_rule_sources_checked_through":"2026-06-13"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","url":"https://dealroom.so/sba-7a/questions/can-a-gift-from-my-adult-child-count-towards-my-required-sba-7-a-equity-injection","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."]}