Glossary · Your money in the deal
In short
This refers to your equity injection that consists of actual cash or hard assets with verifiable value, not goodwill or intangible assets. It's the most straightforward form of equity.
The SBA prefers tangible capital contributions as they represent real value. While goodwill can be part of the purchase price, your equity injection primarily needs to be cash or assets like real estate or equipment. Lenders will assess the fair market value of any non-cash contributions.
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.
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.
Free · No documents · Usually same-day