{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/can-pledged-marketable-securities-like-stocks-serve-as-additional-collateral-for-an-sba-7-","api_url":"https://dealroom.so/api/public/questions/can-pledged-marketable-securities-like-stocks-serve-as-additional-collateral-for-an-sba-7-","question":"Can pledged marketable securities, like stocks, serve as additional collateral for an SBA 7(a) loan?","topic":"Collateral","audience":"borrower","bot_mode":"buyer","short_answer":"Yes, pledged marketable securities such as stocks, mutual funds, or bonds can serve as additional collateral for an SBA 7(a) loan.","rule":"The SBA permits various types of assets to serve as collateral, including marketable securities. Lenders will require these securities to be pledged (e.g., via a collateral assignment or control agreement with a brokerage firm) and will apply a haircut (discount) to their market value to account for volatility, using the net value as collateral.","example":"If you have $200,000 in a brokerage account with marketable stocks, a lender might value this collateral at $140,000 (after a 30% haircut) to secure a portion of your SBA loan. You would sign a control agreement allowing the lender a security interest.","what_lenders_check":"Lenders are concerned about the liquidity and volatility of marketable securities. They implement conservative valuation (haircuts) and strict control agreements to ensure the collateral can be liquidated if necessary to cover a portion of the loan.","required_facts":["Marketable securities","Additional collateral","Pledge agreement","Haircut valuation","Control agreement"],"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 are the requirements for pledging inventory as collateral for an SBA 7(a) loan for a retail business acquisition?","url":"https://dealroom.so/sba-7a/questions/what-are-the-requirements-for-pledging-inventory-as-collateral-for-an-sba-7-a-loan-for-a-r"},{"question":"If the business assets are not enough, will the SBA require me to pledge my primary residence as collateral for a $700,000 loan?","url":"https://dealroom.so/sba-7a/questions/if-the-business-assets-are-not-enough-will-the-sba-require-me-to-pledge-my-primary-residen"},{"question":"Does an SBA 7(a) loan typically require collateral beyond the business assets?","url":"https://dealroom.so/sba-7a/questions/does-an-sba-7-a-loan-typically-require-collateral-beyond-the-business-assets"},{"question":"How does an SBA 7(a) loan handle intangible assets like intellectual property as collateral?","url":"https://dealroom.so/sba-7a/questions/how-does-an-sba-7-a-loan-handle-intangible-assets-like-intellectual-property-as-collateral"},{"question":"What types of assets can be used as collateral for an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/what-types-of-assets-can-be-used-as-collateral-for-an-sba-7-a-loan"},{"question":"What if my personal residence is already mortgaged; can it still be used as collateral?","url":"https://dealroom.so/sba-7a/questions/what-if-my-personal-residence-is-already-mortgaged-can-it-still-be-used-as-collateral"}],"related_terms":[{"term":"Marketable securities","url":"https://dealroom.so/glossary/marketable-securities"},{"term":"SBA 7(a) loan","url":"https://dealroom.so/glossary/sba-7-a-loan"},{"term":"Pledged Collateral","url":"https://dealroom.so/glossary/pledged-collateral"},{"term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"term":"SBA 7(a) Loan Program","url":"https://dealroom.so/glossary/sba-7-a-loan-program"},{"term":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"}],"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":"2026-06-14","sba_rule_sources_checked_through":"2026-06-14"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","url":"https://dealroom.so/sba-7a/questions/can-pledged-marketable-securities-like-stocks-serve-as-additional-collateral-for-an-sba-7-","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."]}