Glossary · Your money in the deal
In short
This is money received from an immediate family member without any expectation of repayment or future consideration. It can be used as part of your equity injection for an SBA 7(a) loan, provided it's properly documented.
An unconditional gift must be documented with a gift letter, signed by the donor, stating no repayment is expected and no lien will be placed on the business. These funds must be "seasoned" in your bank account or transferred directly to escrow at closing. Lenders will scrutinize the source to ensure it's not disguised debt.
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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