For SBA lenders
Short answer
The "90-day rule" generally states that funds injected by the borrower or seller within 90 days prior to the SBA loan application can be considered part of the equity injection, provided they are properly documented and verified.
This rule allows for certain pre-closing injections to count towards the required equity. However, these funds must be clearly identified, sourced, and verifiable. Funds injected before the 90-day window are generally not counted unless they are permanent working capital or fixed assets.
A buyer pays a $50,000 deposit to the seller 60 days before applying for an SBA loan. This $50,000 can count towards the equity injection if documented with proof of payment and source of funds, as it falls within the 90-day window.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
7(a) Fees Effective During Fiscal Year 2026
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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