Glossary · Your money in the deal
In short
This is the cash you, as the buyer, put into the deal. It's your stake in the business and a key requirement for any SBA loan.
For an acquisition, the SBA typically requires a minimum of 10% owner equity injection, though some lenders or deals may require more. This injection must come from unencumbered, seasoned funds. Your owner equity demonstrates your commitment and reduces the lender's risk.
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.
Free · No documents · Usually same-day