Glossary · Your money in the deal
In short
This refers to how long your capital contribution has been held in your bank or investment accounts. Lenders require funds to be 'seasoned' to ensure they aren't borrowed money disguised as equity.
Generally, your equity injection needs to be in your accounts for at least 90 days. If funds appear suddenly, you'll need to provide documentation (like a gift letter or sale of an asset) to explain the source and prove it wasn't a short-term loan that would increase your leverage.
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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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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