Glossary · Your money in the deal
In short
This is company stock that you can't sell or transfer for a specific period or until certain conditions are met. Lenders won't count restricted stock towards your required cash injection.
The SBA requires your equity injection to be unencumbered and readily available. Restricted stock doesn't meet this test because you can't freely convert it to cash. You'll need to find other liquid assets for your down payment.
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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