For SBA lenders
Short answer
Lenders must obtain bank statements, wire transfer confirmations, or cancelled checks showing the funds were in the borrower's account for at least 60-90 days prior to injection, or trace their recent origin.
Per SOP 50 10, lenders must verify the source and sufficiency of the borrower's equity injection. For cash, this typically involves reviewing bank statements for the preceding 60-90 days to confirm the funds are seasoned and not recently borrowed, or tracing the funds if recently deposited to ensure they come from an acceptable source.
A borrower proposes a $100,000 cash injection. The lender requests bank statements showing the $100,000 balance for the last three months, or if a recent deposit, documentation like a stock sale confirmation or a gift letter and donor bank statements.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
SBA Form 1919 - Borrower Information Form
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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