For SBA lenders
Short answer
For a gifted equity injection, the lender requires a gift letter from the donor confirming it's a true gift with no repayment expected, along with bank statements from the donor verifying the source and seasoning of funds.
SOP 50 10 permits gifts from immediate family members as equity injection, provided they are genuine gifts. The lender must obtain a signed gift letter and verify the donor's ability to provide the funds by reviewing their bank statements to ensure the funds are seasoned and not borrowed.
A borrower's parents provide a $50,000 gift. The lender obtains a signed gift letter from the parents stating it's a gift with no repayment obligation, and bank statements showing the funds were in the parents' account for over 60 days.
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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