Glossary · Your money in the deal
In short
This is the cash you put into the deal yourself, distinct from the SBA loan. Lenders want to see you have skin in the game, demonstrating your commitment to the business.
For a 7(a) loan, you generally need to inject at least 10% of the total project costs as equity. This often comes from your personal savings or a seller note on full standby. It's not just a number; it's a demonstration of your commitment and ability to manage risk.
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.
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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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