For SBA lenders
Short answer
Verifying cash equity from a foreign bank account requires equivalent documentation to domestic accounts, including statements, transaction histories, and potentially anti-money laundering (AML) checks.
When a borrower's cash equity originates from a foreign bank account, the lender must obtain bank statements and transaction history covering at least the most recent 90 days (or 6 months for large sums) to trace the funds and verify their source. Lenders must ensure compliance with all applicable Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) regulations, performing enhanced due diligence if required.
A borrower shows a $200,000 cash injection from an account in their name at a reputable bank in Canada. The lender requests 6 months of statements from the Canadian bank, along with a certified translation if needed, to confirm the funds' presence and source.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
Policy Notice 5000-876441 - Citizenship and Residency Requirements
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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