Glossary · The loan itself
In short
This SBA rule limits what collateral or equity can be injected or released within 90 days of an SBA loan application or disbursement. It prevents circular funding or "round-tripping."
The SBA's 90-Day Rule is designed to prevent buyers from injecting funds into the business and then immediately pulling them back out or using them to pay off personal debt, masquerading as equity. Any funds or collateral injected or substantial payments made within 90 days of the loan application or closing will be scrutinized. Ensure your equity injection is "seasoned" and genuinely from your own resources.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Defined by DealRoom.so SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
See which SBA lenders would fund your deal
Tell us the business, the price, and where you are — we'll point you to the lenders most likely to approve a 7(a) like yours and flag what trips up approval.
Free · No documents · Usually same-day