Glossary · Your money in the deal
In short
This is the total amount of cash or eligible assets you put into the business to fund the acquisition and provide working capital. The SBA requires a minimum capital injection, typically 10-20% of the total project cost.
Your capital injection is your skin in the game, demonstrating commitment and reducing lender risk. It must come from verifiable, "seasoned" sources like personal savings, gifts, or a seller note on full standby. The SBA scrutinizes the source of these funds, so be prepared to provide bank statements and other documentation to prove their origin and availability.
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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