Glossary · Your money in the deal
In short
This is real estate you own that is free of any existing liens, mortgages, or other claims. You care because it represents a clean asset that can be used as additional collateral for your SBA loan or potentially converted to cash for your equity injection.
If your personal real estate has no existing debt, it can be pledged to cover a collateral shortfall on the business loan. Alternatively, if you sell it and use the proceeds, those funds can count towards your equity injection, strengthening your 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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