For SBA lenders
Short answer
Lenders must verify the seasoning of funds from investment accounts by obtaining statements over several months, confirming the specific assets to be liquidated, and ensuring the net proceeds are sufficient and liquid at the time of closing.
For equity injection from investment accounts, the SBA requires verification that the funds are seasoned and genuinely available. Lenders must obtain sufficient historical statements (typically 3-6 months) to show the funds' origin and that they are not newly acquired debt. The value must be liquid and available for transfer to the business.
A borrower plans to use $75,000 from a stock brokerage account for equity. The lender would request 3-6 months of brokerage statements, confirmation that specific stocks will be sold, and evidence of the cash proceeds being transferred to the closing agent or business bank account, ensuring the value isn't just projected.
Insider move
Volatile asset values pose a risk that the required equity amount may not be available at closing. Lenders must verify the actual liquidation and transfer of funds, not just a balance, and ensure no new debt was incurred to fund the investment account.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
Last checked 2026-06-13. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-13 · SBA sources checked through 2026-06-13. DealRoom analysis of public SBA 7(a) lending records (FY2020–present). Grounded in the current SBA rulebook; verify against the official sources above before relying on it for a live deal. Not legal, tax, or financial advice, and not an approval decision.
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