{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/can-i-use-funds-from-the-sale-of-my-personal-investments-like-stocks-for-my-down-payment","api_url":"https://dealroom.so/api/public/questions/can-i-use-funds-from-the-sale-of-my-personal-investments-like-stocks-for-my-down-payment","question":"Can I use funds from the sale of my personal investments, like stocks, for my down payment?","topic":"Down payment & equity injection","audience":"new","bot_mode":"buyer","short_answer":"Yes, funds from the sale of personal investments, such as stocks or mutual funds, can be used for your SBA 7(a) loan down payment, provided the funds are fully liquidated and verifiable.","rule":"Liquidation of personal investments is an acceptable source for equity injection. The key is that the funds must be fully converted to cash and clearly traceable to the borrower's account. Lenders will require statements showing the sale of the assets and the deposit of the cash into the borrower's personal or business account.","example":"A borrower sells $75,000 worth of stock from their brokerage account. They would need to provide the brokerage statement showing the sale, followed by their bank statement showing the $75,000 deposit, to count this towards their equity injection.","what_lenders_check":"Lenders verify the liquidation of assets and the clean transfer of funds. They ensure that the funds are not still tied up in fluctuating investments and are readily available for the down payment at closing.","required_facts":["Yes, from asset sales","Stocks, mutual funds","Fully liquidated to cash","Verifiable transaction","Traceable to account"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs"],"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"}],"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":"Use of funds","url":"https://dealroom.so/glossary/use-of-funds"},{"term":"Eligible Use of Funds","url":"https://dealroom.so/glossary/eligible-use-of-funds"},{"term":"Personal Funds","url":"https://dealroom.so/glossary/personal-funds"},{"term":"Indemnification from the Seller","url":"https://dealroom.so/glossary/indemnification-from-the-seller"},{"term":"Down payment","url":"https://dealroom.so/glossary/down-payment"},{"term":"Bill of Sale","url":"https://dealroom.so/glossary/bill-of-sale"}],"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-i-use-funds-from-the-sale-of-my-personal-investments-like-stocks-for-my-down-payment","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."]}