{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/can-i-use-personal-assets-like-a-valuable-coin-collection-or-art-as-part-of-my-equity-inje","api_url":"https://dealroom.so/api/public/questions/can-i-use-personal-assets-like-a-valuable-coin-collection-or-art-as-part-of-my-equity-inje","question":"Can I use personal assets like a valuable coin collection or art as part of my equity injection?","topic":"Down payment & equity injection","audience":"borrower","bot_mode":"buyer","short_answer":"Yes, personal non-cash assets can count towards equity injection if they are appraised at fair market value by an independent appraiser and directly injected into the business.","rule":"Non-cash assets can be considered part of the equity injection if they are unencumbered, valued by an independent appraiser, and are essential to the operation of the business or contribute directly to the business's capital structure. Personal items not used in the business are typically not eligible.","example":"A buyer could contribute $20,000 worth of unencumbered office equipment, professionally appraised, to a new business as part of their equity injection. A personal art collection that will not be used in the business, however, cannot be included.","what_lenders_check":"Lenders require verifiable, independent appraisals for all non-cash assets contributed as equity. They ensure these assets are directly beneficial to the business and are truly unencumbered, providing genuine value.","required_facts":[],"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":"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":"Personal Assets","url":"https://dealroom.so/glossary/personal-assets"},{"term":"Collection","url":"https://dealroom.so/glossary/collection"},{"term":"Use of funds","url":"https://dealroom.so/glossary/use-of-funds"},{"term":"Use of proceeds","url":"https://dealroom.so/glossary/use-of-proceeds"},{"term":"Liquidity of Assets","url":"https://dealroom.so/glossary/liquidity-of-assets"},{"term":"Lien on Personal Assets","url":"https://dealroom.so/glossary/lien-on-personal-assets"}],"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-i-use-personal-assets-like-a-valuable-coin-collection-or-art-as-part-of-my-equity-inje","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."]}