Glossary · Your money in the deal
In short
An employer-sponsored retirement plan, like a 401(k), 403(b), or pension, that meets specific IRS requirements for tax-deferred growth. These funds can sometimes be used to finance a business.
Funds from your Qualified Retirement Plan can be a significant source for your equity injection. If you're considering using these funds, explore options like a Rollover as Business Startup Plan (ROBS) or a direct withdrawal (which usually incurs penalties). Discuss the implications with your financial advisor and lender, as the SBA has specific seasoning of funds requirements.
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