Glossary · Your money in the deal
In short
A revolving credit line secured by your home's equity. Buyers sometimes use HELOC funds for their equity injection or working capital, leveraging personal assets for the deal.
While a HELOC can provide liquidity, using it as your equity injection might be complicated. The SBA generally prefers unencumbered funds. If you use a HELOC, the lender will scrutinize the source to ensure it's not disguised debt requiring a standby agreement. Make sure your personal financial statement reflects this accurately.
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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