Glossary · Your money in the deal
In short
This is the cash or eligible assets you, as the buyer, put into the deal. It's your equity injection, demonstrating your commitment and reducing the overall loan amount.
The SBA requires a minimum owner's capital contribution, typically 10-20% of the total project cost. This can be cash, seller notes on full standby, or eligible assets. Document the source of these funds thoroughly to prove they are "seasoned" and "unencumbered."
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