Glossary · Your money in the deal
In short
This is the money you personally put into the deal. It's your skin in the game, showing lenders you're committed to the business's success.
For an SBA 7(a) loan, you'll generally need an equity injection of 10-20% of the total project costs. This can come from cash, a seller note on full standby, or rolled-over equity from a previous business. Ensure your funds are seasoned and clearly documented.
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.
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