For SBA lenders
Short answer
Lenders verify equity injection funds from investment accounts with statements showing asset liquidation, transfer of funds to the borrower's operating account, and a complete transaction history.
For equity injection from investment accounts (e.g., brokerage, mutual funds), the lender must obtain statements demonstrating the existence of the funds, evidence of the liquidation of assets (if applicable), and bank statements showing the transfer of the funds into the borrower's personal or business account. The paper trail must clearly show the source and movement of funds.
A borrower liquidates $100,000 from their brokerage account. The lender would require the brokerage statement showing the sale, the bank statement showing the $100,000 deposited, and then the subsequent transfer of these funds into the business's operating account for the injection.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
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
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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