Glossary · Your money in the deal
In short
This is a loan backed by your personal assets, like a home equity line of credit. Buyers sometimes use these funds as part of their required equity injection.
While you can use funds from a secured personal line of credit for your equity injection, the SBA has strict rules. The funds must be "unencumbered" and sourced from the line before closing. Your lender will require proof of the withdrawal and a clear understanding of the repayment terms.
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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