Glossary · Your money in the deal
In short
This is money given to the buyer for their equity injection that does not need to be repaid. The SBA allows gifts from immediate family, but they must be truly unconditional.
A genuine gift requires a gift letter from the donor, stating no repayment is expected and no lien will be placed on the business. The funds must be transferred to your account before closing and meet seasoning of funds requirements, just like your own money.
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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