Glossary · Your money in the deal
In short
The amount of cash and easily convertible assets you have readily available. Lenders assess this to ensure you can cover your equity injection and post-closing working capital.
Lenders require proof of sufficient personal liquidity to cover the required equity injection and often a cushion for post-closing working capital. This typically comes from bank accounts, brokerage accounts, or funds readily accessible from retirement accounts (like through ROBS). Unencumbered funds are essential.
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
SBA Form 1919 — Borrower Information Form
U.S. Small Business Administration · SBA form
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