Glossary · Your money in the deal
In short
Your down payment, in SBA language. Minimum 10% of total project costs for a full business purchase.
Equity injection is SBA-speak for what you bring to the table. The SBA requires at least 10% of total project costs — not just the purchase price — to come from you, the seller (via a standby note), or both. The money must be sourced and seasoned: two months of bank statements showing where it came from. If you're short, a seller note on full standby can fill the gap — but only if it meets strict conditions laid out in SOP 50 10.
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 2026-06-14. 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 2026-06-14 · 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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