{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/can-personal-assets-like-a-car-or-equipment-i-already-own-count-toward-my-equity-injection","api_url":"https://dealroom.so/api/public/questions/can-personal-assets-like-a-car-or-equipment-i-already-own-count-toward-my-equity-injection","question":"Can personal assets like a car or equipment I already own count toward my equity injection?","topic":"Equity injection","audience":"new","bot_mode":"buyer","short_answer":"Yes, personal assets like unencumbered equipment or real estate can count toward your SBA 7(a) equity injection if properly valued and documented.","rule":"The SBA permits the use of unencumbered personal assets, such as vehicles, equipment, or real estate (not the business collateral), as part of the equity injection. These assets must be valued by an independent appraiser, and the borrower must transfer title of the asset to the business. The asset must be directly used in the business.","example":"A borrower starting a landscaping business owns a $30,000 truck outright. An independent appraiser values the truck at $28,000. If the borrower transfers the truck's title to the new business, this $28,000 can count towards their required equity injection.","what_lenders_check":"Lenders require independent appraisals for all non-cash equity contributions to ensure fair market value. They also verify that the asset is unencumbered and that legal title is properly transferred to the business for its exclusive use.","required_facts":["Unencumbered assets","Independent appraisal","Title transfer","Used in business","Fair market value"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans"],"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"}],"related_questions":[{"question":"Can I use funds from a second mortgage on my personal home for my equity injection?","url":"https://dealroom.so/sba-loans/basics/can-i-use-funds-from-a-second-mortgage-on-my-personal-home-for-my-equity-injection"},{"question":"Can I use funds from a personal line of credit for my SBA 7(a) equity injection?","url":"https://dealroom.so/sba-loans/basics/can-i-use-funds-from-a-personal-line-of-credit-for-my-sba-7-a-equity-injection"},{"question":"Can I use funds from a business partner's personal savings for my equity injection?","url":"https://dealroom.so/sba-loans/basics/can-i-use-funds-from-a-business-partner-s-personal-savings-for-my-equity-injection"},{"question":"Is an equity injection always required when getting an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/is-an-equity-injection-always-required-when-getting-an-sba-7-a-loan"},{"question":"Can money gifted from a family member be used for my SBA 7(a) equity injection?","url":"https://dealroom.so/sba-loans/basics/can-money-gifted-from-a-family-member-be-used-for-my-sba-7-a-equity-injection"},{"question":"Can I use an unsecured personal loan from a family member for my equity injection on an SBA 7(a) acquisition?","url":"https://dealroom.so/sba-loans/basics/can-i-use-an-unsecured-personal-loan-from-a-family-member-for-my-equity-injection-on-an-sb"}],"related_terms":[{"term":"Equity injection","url":"https://dealroom.so/glossary/equity-injection"},{"term":"Personal Assets","url":"https://dealroom.so/glossary/personal-assets"},{"term":"Minimum Equity Injection","url":"https://dealroom.so/glossary/minimum-equity-injection"},{"term":"Tangible Equity Injection","url":"https://dealroom.so/glossary/tangible-equity-injection"},{"term":"Hidden Equity Injection","url":"https://dealroom.so/glossary/hidden-equity-injection"},{"term":"Equity injection verification","url":"https://dealroom.so/glossary/equity-injection-verification"}],"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-personal-assets-like-a-car-or-equipment-i-already-own-count-toward-my-equity-injection","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."]}