For SBA lenders
Short answer
Lenders must obtain and verify documentation from the foreign financial institution, including bank statements, transaction confirmations, and potentially a letter from the bank, ensuring funds are seasoned and transferred legally.
SBA requires verification of the source and seasoning of all equity injection funds. For foreign accounts, this means obtaining documentation equivalent to U.S. bank statements, translated if necessary, to confirm the funds' origin, ownership, and transfer to a U.S. business account or directly to the project for ineligible use repayment.
A borrower provides a statement from a non-U.S. bank showing $100,000 for equity. The lender would require 3-6 months of statements, a swift transfer confirmation to the business's U.S. account, and potentially a signed declaration from the borrower regarding the source and unrestricted nature of the funds.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
SBA Form 1919 - Borrower Information Form
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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