Glossary · Your money in the deal
In short
A personal line of credit is a revolving credit facility you can draw from as needed. While it can be a source of personal funds, lenders scrutinize its use for equity injection.
Lenders view a personal line of credit as debt, not equity. If you use it for your down payment, the lender will likely require it to be fully paid off at closing, or it will count against your personal liquidity. It's not considered "seasoned funds" and can complicate your equity injection.
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