Glossary · Your money in the deal
In short
These are funds you've taken as a loan, often from a friend or relative, to contribute to your equity injection. The SBA has strict rules about using borrowed funds for your down payment.
Borrowed funds are generally not allowed for the equity injection unless they are on full standby agreement and from a source not affiliated with the seller. If you use a Home equity line of credit (HELOC), it must be unencumbered from other liens.
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.
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Tell us your purchase price and how you're funding the down payment — we'll sanity-check the equity injection and show what lenders will actually accept.
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