Glossary · Your money in the deal
In short
A readily marketable personal asset is something you own personally that can be quickly converted to cash, like publicly traded stocks or bonds. The SBA might require you to use these assets to reduce a collateral shortfall.
If your deal has a collateral shortfall, the SBA may require you to pledge readily marketable personal assets as additional collateral or liquidate them to increase your equity injection. This reduces the lender's risk. Be prepared to provide brokerage statements to prove ownership and value.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
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.
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