Glossary · Your money in the deal
In short
This is an asset, other than cash, that a buyer brings into the business as part of their equity injection. The SBA allows certain assets to count towards your required down payment.
You can use a contributed asset, like equipment or real estate, as part of your equity injection, but it must be unencumbered and independently appraised. This can reduce your out-of-pocket cash requirement. Ensure the asset's value is accepted by the lender and SBA.
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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