Glossary · Your money in the deal
In short
The portion of the business purchase price you pay upfront in cash, not financed by the loan. This demonstrates your commitment and reduces the lender's risk.
For an SBA 7(a) loan, the standard minimum down payment (equity injection) is 10-15% of the total project cost, but it can be higher depending on the business. Ensure your funds are "seasoned" (in your account for at least 90 days) or properly documented as a gift or from a sale of an asset.
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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