Glossary · Your money in the deal
In short
Money held in your 401(k), IRA, or other qualified retirement plans. These funds can sometimes be used as equity for your business purchase.
You can use retirement account funds for your equity injection, either through a direct rollover to a Self-directed IRA or by utilizing a Rollovers for Business Start-ups (ROBS) plan. Each method has distinct tax implications and rules. Consult a financial advisor to understand the specific risks and benefits.
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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