Glossary · Your money in the deal
In short
This is the money you, the buyer, put into the deal from your own funds. It's your "skin in the game" and a key requirement for an SBA loan.
The SBA requires a minimum equity injection, typically 10% of the total project costs, though some deals may need more. This must come from eligible sources like seasoned funds, a gift, or a seller-financed portion on full standby. Lenders will verify the source and seasoning of these funds.
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.
Free · No documents · Usually same-day