Glossary · Your money in the deal
In short
This is an investment in a private company, not publicly traded. For your SBA loan, you usually can't use these funds as your equity injection unless they are easily convertible to cash without restrictions.
Lenders need to see liquid, unencumbered cash for your equity injection. If your funds are tied up in private equity, you'll need to demonstrate you can convert them to cash at fair market value before closing. This often means selling the holding well in advance or proving it's as good as cash.
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.
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