For SBA lenders
Short answer
Lenders must obtain bank statements translated by a certified professional, verify the source of funds to comply with Anti-Money Laundering (AML) regulations, and ensure funds are fully available in a U.S. account prior to closing.
Verifying foreign-sourced funds requires enhanced due diligence due to potential AML/BSA concerns and the need to confirm funds are legally obtained and readily accessible. The SBA requires a clear audit trail and confirmation that the funds are in the borrower's control and have been transferred to a U.S. financial institution.
A borrower intends to inject $200,000 from a personal savings account in an overseas bank. The lender requires six months of bank statements, a certified translation, and proof of transfer of the funds into the borrower's U.S. business account prior to loan closing.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
Standard 7(a) Authorization File Library
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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