Glossary · Your money in the deal
In short
This isn't a direct cash injection but refers to certain non-cash contributions a buyer can make towards their required equity injection for an SBA loan. It's less common for acquisitions.
While not typical for acquisitions, equity credit might sometimes apply if you have specific assets like real estate or equipment that you contribute to the business at fair market value, which then becomes unencumbered business collateral. However, for most 7(a) acquisitions, the equity injection must be real cash, seasoned funds, or a seller note on full standby. Don't count on non-cash for your equity injection.
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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