Glossary · Your money in the deal
In short
Purchase price plus fees, closing costs, and working capital. The 10% injection is measured against this number, which runs higher than the price alone.
When lenders size your required injection at 10%, they're using total project costs — which can run 5–10% above the stated purchase price once you add the guaranty fee, lender origination fee, working capital, and professional fees. If a business is listed at $1M, your actual project costs might be $1.05–1.10M, meaning you need $105–110K in injection, not $100K. Get the full project cost estimate from your lender before you finalize your offer.
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-14. 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 2026-06-14 · 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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