Glossary · Your money in the deal
In short
Everything you actually write checks for: down payment, guaranty fee, closing costs, and a working-capital cushion.
Your out-of-pocket total is larger than your equity injection because it includes fees and costs that don't go into the deal itself. Add the lender origination fee, attorney fees, appraisal, environmental review, and a working-capital buffer — then add the guaranty fee if you can't roll it into the loan. Many first-time buyers underestimate this number by 15–20%. Ask your lender for a full project-cost breakdown before you commit to a 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 2026-06-14 · 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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