Glossary · Your money in the deal
In short
Funds received as a gift, often from a family member, that can be used for your equity injection in an SBA loan. It must be truly a gift with no repayment expectation.
A cash gift can count towards your equity injection, but the SBA requires a gift letter from the donor confirming no repayment is expected. These funds must also be seasoned if not recently received.
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
SBA Form 1919 — Borrower Information Form
U.S. Small Business Administration · SBA form
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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