Glossary · Your money in the deal
In short
This is an asset, like equipment or real estate, that you contribute to the business instead of cash, counting towards your required equity injection. The SBA allows it under strict conditions.
If you're contributing non-cash assets, they must be valued at fair market value by an independent appraiser. The asset needs to be unencumbered and essential for the business. This can reduce your out-of-pocket cash but adds complexity to the appraisal and closing process.
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.
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