For SBA lenders
Short answer
To verify a cash equity injection from a foreign bank account, lenders must obtain a minimum of six months of bank statements, translated into English and verified by an independent third party if necessary, clearly showing the funds' source and continuous availability.
SBA requires thorough documentation to verify the source and unencumbered nature of a borrower's equity injection, regardless of origin. Funds from foreign accounts carry additional scrutiny due to anti-money laundering and compliance concerns, necessitating robust verification to ensure the funds are genuinely the borrower's and not borrowed or subject to undisclosed liens.
A borrower provides six months of bank statements from a European bank, showing a consistent balance and the transfer of €100,000 into their U.S. account. The lender requests certified translations and may ask for a letter from the foreign bank confirming the account holder and fund origin.
7(a) Loan Program — Terms, Conditions, and Eligibility
U.S. Small Business Administration · Official SBA source
SOP 50 10 - Lender and Development Company Loan Programs
FAQ Related to Recent SBA Procedural Notices
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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