Glossary · Your money in the deal
In short
This is a loan secured by the equity in your home. It's a common way for buyers to fund their equity injection for an SBA loan.
Using a home equity loan for your equity injection is generally acceptable to the SBA as it represents "seasoned funds" if taken out sufficiently in advance, or "out of pocket" if taken near closing. The loan is secured by your personal residence, not the acquired business. Ensure you understand the risks of leveraging your home.
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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