Glossary · Your money in the deal
In short
This is a way to use funds from your retirement accounts (like 401(k) or IRA) without immediate tax penalties to fund your equity injection. It's a common strategy for buyers.
Through a specialized trust or plan (often called ROBS, Rollovers as Business Startups), you can invest your retirement funds into your new business's stock. This counts towards your equity injection and is a non-debt source of funds, but requires careful execution to avoid IRS penalties. Consult a specialist.
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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