Glossary · Your money in the deal
In short
This refers to capital that is not expected to be repaid, typically your equity injection (down payment) in the business. It's critical because the SBA requires a minimum amount of your own permanent capital in the deal.
The SBA mandates a minimum equity injection, usually 10-15% of the total project cost, which must be "seasoned funds" or from "unencumbered" sources. This shows your commitment and reduces the lender's risk, making your deal more financeable.
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.
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