Glossary · Reading the business
In short
This is an asset that can be easily converted to cash at its fair market value. Examples include publicly traded stocks or bonds.
The SBA considers liquid Marketable assets when assessing your personal liquidity for the Credit elsewhere test. If you have significant Marketable assets, the SBA might require you to use them for a larger equity injection or apply for a smaller loan.
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.
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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