Glossary · Reading the business
In short
These are assets that can be quickly converted into cash with minimal loss in value, like cash in bank accounts. They indicate a business's ability to cover short-term obligations.
Lenders look at a business's liquid assets (and your personal liquid assets) to assess working capital and the ability to absorb unexpected costs. While the SBA doesn't have a specific requirement for business liquid assets, sufficient working capital is usually required as part of the loan. For your equity injection, you'll need to prove your own liquid assets are seasoned and available.
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.
Pressure-test the numbers before you make an offer
Send us the asking price and the seller's cash flow — we'll show whether the deal services SBA debt and where the add-backs are likely to hold up.
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