{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/can-funds-from-a-personal-investment-account-like-a-brokerage-account-count-towards-equity","api_url":"https://dealroom.so/api/public/questions/can-funds-from-a-personal-investment-account-like-a-brokerage-account-count-towards-equity","question":"Can funds from a personal investment account, like a brokerage account, count towards equity injection?","topic":"Down payment & equity injection","audience":"new","bot_mode":"buyer","short_answer":"Yes, funds from a personal investment account can count towards your equity injection, provided the funds are unencumbered and properly documented as coming from the borrower.","rule":"Funds from liquid personal investment accounts (e.g., brokerage accounts, mutual funds) are acceptable for equity injection as long as they are traceable, unencumbered (not borrowed against), and belong to the borrower. The lender will require statements showing the funds are readily available and will be transferred to the business or escrow account at closing.","example":"Sarah has $75,000 in a personal brokerage account. She can sell investments and use the cash proceeds as part of her equity injection for a $500,000 business acquisition. The lender would require proof of the account balance and the transfer of funds.","what_lenders_check":"Lenders must verify the liquidity, source, and ownership of funds from investment accounts. They ensure the funds are not borrowed and that their transfer does not create new debt or encumbrances for the borrower.","required_facts":["Liquid assets allowed","Brokerage accounts","Must be unencumbered","Traceable source","Proof of funds"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans","7(a) Loan Program Terms, Conditions, and Eligibility"],"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":"7(a) Loan Program Terms, Conditions, and Eligibility","url":"https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility"}],"related_questions":[{"question":"Can I use retirement funds from a 401(k) as equity injection for a $750,000 business purchase?","url":"https://dealroom.so/sba-loans/basics/can-i-use-retirement-funds-from-a-401-k-as-equity-injection-for-a-750-000-business-purchas"},{"question":"Can funds from a home equity line of credit (HELOC) be used as my equity injection for a business acquisition?","url":"https://dealroom.so/sba-loans/basics/can-funds-from-a-home-equity-line-of-credit-heloc-be-used-as-my-equity-injection-for-a-bus"},{"question":"Is it possible to use a second mortgage on my personal residence as an equity injection for a $1.5 million business acquisition?","url":"https://dealroom.so/sba-loans/basics/is-it-possible-to-use-a-second-mortgage-on-my-personal-residence-as-an-equity-injection-fo"},{"question":"How much cash must I personally inject for an SBA 7(a) business acquisition?","url":"https://dealroom.so/sba-loans/basics/how-much-cash-must-i-personally-inject-for-an-sba-7-a-business-acquisition"},{"question":"What are the acceptable sources for my cash equity injection beyond personal savings?","url":"https://dealroom.so/sba-loans/basics/what-are-the-acceptable-sources-for-my-cash-equity-injection-beyond-personal-savings"},{"question":"What is the SBA's minimum required equity injection percentage for a business acquisition?","url":"https://dealroom.so/sba-loans/basics/what-is-the-sba-s-minimum-required-equity-injection-percentage-for-a-business-acquisition"}],"related_terms":[{"term":"Brokerage account","url":"https://dealroom.so/glossary/brokerage-account"},{"term":"Equity Investment","url":"https://dealroom.so/glossary/equity-investment"},{"term":"Personal Investment","url":"https://dealroom.so/glossary/personal-investment"},{"term":"Equity injection","url":"https://dealroom.so/glossary/equity-injection"},{"term":"Retirement account funds","url":"https://dealroom.so/glossary/retirement-account-funds"},{"term":"Personal Funds","url":"https://dealroom.so/glossary/personal-funds"}],"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-loans/basics/can-funds-from-a-personal-investment-account-like-a-brokerage-account-count-towards-equity","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."]}