{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/if-i-inherit-75-000-right-before-closing-can-these-funds-count-towards-my-equity-injection","api_url":"https://dealroom.so/api/public/questions/if-i-inherit-75-000-right-before-closing-can-these-funds-count-towards-my-equity-injection","question":"If I inherit $75,000 right before closing, can these funds count towards my equity injection?","topic":"Equity injection","audience":"borrower","bot_mode":"buyer","short_answer":"Yes, inherited funds received prior to closing can count towards your equity injection, provided they are properly documented and traceable.","rule":"Inherited funds are considered an eligible source for equity injection as they are unencumbered and represent personal capital. The lender will require documentation such as probate court records, inheritance tax forms, and bank statements to verify the source and transfer of funds.","example":"If you receive a $75,000 inheritance one month before your $1 million business acquisition closing, these funds can be used for your $100,000 equity injection. You'll provide the lender with documentation of the inheritance and bank statements showing the funds in your account.","what_lenders_check":"Lenders verify the legitimacy and clear title of inherited funds. They need to ensure the funds are truly yours, fully available, and not subject to any claims or contingencies that could affect their use as equity.","required_facts":["Inherited funds","Documentation proof","Source verification","Fund trace","Availability at closing"],"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 funds from a second mortgage on my personal home for my equity injection?","url":"https://dealroom.so/sba-7a/questions/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-7a/questions/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-7a/questions/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-7a/questions/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-7a/questions/can-money-gifted-from-a-family-member-be-used-for-my-sba-7-a-equity-injection"},{"question":"Can personal assets like a car or equipment I already own count toward my equity injection?","url":"https://dealroom.so/sba-7a/questions/can-personal-assets-like-a-car-or-equipment-i-already-own-count-toward-my-equity-injection"}],"related_terms":[{"term":"Equity injection","url":"https://dealroom.so/glossary/equity-injection"},{"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"},{"term":"Foreign-Sourced Equity Injection","url":"https://dealroom.so/glossary/foreign-sourced-equity-injection"}],"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/if-i-inherit-75-000-right-before-closing-can-these-funds-count-towards-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."]}