Glossary · Your money in the deal
In short
This is the money you put into the deal, typically as your down payment and working capital. The SBA has specific rules on how much and where it comes from.
For an SBA 7(a) loan, your equity injection (cash injection) must be at least 10% of the total project costs, and sometimes more. You need to prove the funds are "seasoned" and come from eligible sources, meaning they weren't borrowed. The lender will review your bank and brokerage statements.
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.
Figure out your down payment and equity injection
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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