Glossary · Your money in the deal
In short
Money given to you by an immediate family member without expectation of repayment, used as part of your equity injection for an SBA loan. This helps you meet the required down payment.
Gifted funds are an acceptable source for your equity injection, but they must be "unencumbered," meaning the giver can't expect to be repaid. The SBA requires a specific gift letter and proof of funds from the donor. Ensure the funds are transferred directly to your account before closing.
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.
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