{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/can-funds-from-a-personal-investment-account-like-a-brokerage-account-count-towards-the-sb","api_url":"https://dealroom.so/api/public/questions/can-funds-from-a-personal-investment-account-like-a-brokerage-account-count-towards-the-sb","question":"Can funds from a personal investment account, like a brokerage account, count towards the SBA 7(a) loan equity injection?","topic":"Equity injection verification","audience":"lender","bot_mode":"lender","short_answer":"Yes, funds from a personal investment account can count towards the equity injection, provided they are fully liquid, unencumbered, and available for immediate use at closing.","rule":"The equity injection must be from unencumbered personal funds. Funds from a brokerage account are acceptable if they are not pledged as collateral for other debts and can be liquidated without significant penalty or delay. Lenders will require proof of liquidation and deposit into the business's operating account.","example":"A borrower needs a $100,000 equity injection. They have $150,000 in a brokerage account. They liquidate $100,000 of stocks, transfer the cash to their personal bank account, and then to the business operating account before closing. This is acceptable. Funds held in an illiquid asset like an alternative investment fund would not be.","what_lenders_check":"Lenders must verify the liquidity and unencumbered status of investment account funds. Documentation showing the source of funds, liquidation, and transfer to the business is critical. Volatile assets or those with significant liquidation penalties pose risks.","required_facts":["Investment account","Liquid funds","Unencumbered","Proof of liquidation","Available at closing"],"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":"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":"How does a lender verify equity injection funds that are a cash gift from a non-family third party?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-verify-equity-injection-funds-that-are-a-cash-gift-from-a-non-family-thi"},{"question":"Can a borrower's investment in a certificate of deposit (CD) count towards the required equity injection?","url":"https://dealroom.so/for-lenders/questions/can-a-borrower-s-investment-in-a-certificate-of-deposit-cd-count-towards-the-required-equi"},{"question":"What specific documentation is required to verify equity injection funds originating from a borrower's existing business assets, such as equipment or inventory?","url":"https://dealroom.so/for-lenders/questions/what-specific-documentation-is-required-to-verify-equity-injection-funds-originating-from-"},{"question":"How does a lender verify the source of gifted equity injection funds when the donor is a foreign national?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-verify-the-source-of-gifted-equity-injection-funds-when-the-donor-is-a-f"},{"question":"How does a lender verify equity injection funds that are sourced from a personal line of credit secured by non-personal real estate?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-verify-equity-injection-funds-that-are-sourced-from-a-personal-line-of-c"}],"related_terms":[{"term":"Brokerage account","url":"https://dealroom.so/glossary/brokerage-account"},{"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":"Personal Investment","url":"https://dealroom.so/glossary/personal-investment"},{"term":"Retirement account funds","url":"https://dealroom.so/glossary/retirement-account-funds"},{"term":"SBA 7(a) Loan Program","url":"https://dealroom.so/glossary/sba-7-a-loan-program"}],"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/for-lenders/questions/can-funds-from-a-personal-investment-account-like-a-brokerage-account-count-towards-the-sb","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."]}