{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/can-funds-from-a-personal-investment-account-with-fluctuating-value-like-a-brokerage-accou","api_url":"https://dealroom.so/api/public/questions/can-funds-from-a-personal-investment-account-with-fluctuating-value-like-a-brokerage-accou","question":"Can funds from a personal investment account with fluctuating value, like a brokerage account, count towards equity?","topic":"Down payment & equity injection","audience":"borrower","bot_mode":"buyer","short_answer":"Yes, funds from a personal investment account can count towards equity injection, but they must be liquidated into a bank account and verified as unencumbered before closing.","rule":"The SBA requires liquid, unencumbered funds for equity injection. While the investment account itself can be the source, the funds must be converted to cash and available in a traditional bank account to be verifiable and demonstrate the buyer's commitment at closing.","example":"A buyer liquidates $80,000 from their stock brokerage account and transfers it to their personal checking account. If bank statements show the transfer and the funds remain in the checking account up to closing, this $80,000 can be used for the equity injection.","what_lenders_check":"Lenders need to see a clear audit trail of the funds, from liquidation of assets to deposit into a bank account, and ensure they remain available and unencumbered until the loan closes. They will review account statements to confirm the source and availability.","required_facts":["Investment account","Liquidated funds","Unencumbered cash","Verifiable source","Equity injection"],"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-7a/questions/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-7a/questions/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-7a/questions/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-7a/questions/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-7a/questions/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-7a/questions/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":"Personal Investment","url":"https://dealroom.so/glossary/personal-investment"},{"term":"Retirement account funds","url":"https://dealroom.so/glossary/retirement-account-funds"},{"term":"Personal Funds","url":"https://dealroom.so/glossary/personal-funds"},{"term":"Brokerage Statement","url":"https://dealroom.so/glossary/brokerage-statement"},{"term":"Operating Account","url":"https://dealroom.so/glossary/operating-account"}],"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-funds-from-a-personal-investment-account-with-fluctuating-value-like-a-brokerage-accou","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."]}