Glossary · Your money in the deal
In short
This refers to where your equity injection money came from and how long you've held it. The SBA wants to ensure your down payment is genuinely yours and not borrowed or a disguised loan.
Lenders require bank statement and brokerage statement for at least the last three months to verify the source and seasoning of funds. Funds must be unencumbered and out of pocket; if they appear suddenly or from an unknown source, expect scrutiny.
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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