SBA 7(a) Q&A
Short answer
No, a commitment to inject working capital after closing generally does not count towards the required minimum 10% equity injection for an SBA 7(a) acquisition loan. The equity must be injected at or prior to closing.
SBA rules require the equity injection to be tangible and 'at risk' at the time of loan closing. Funds committed for future injection, such as post-closing working capital, are not considered part of the initial equity calculation. The lender must verify that the full equity injection has been made prior to disbursement.
If you are buying a business for $1,000,000 and need $100,000 equity, a promise to inject an additional $25,000 as working capital six months post-closing cannot be used to meet the initial $100,000 requirement.
Lenders need to ensure the borrower's equity is fully in place and 'at risk' from day one. Future commitments, while beneficial, do not satisfy the immediate equity requirement because their actual injection is not guaranteed.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
Last checked 2026-06-14. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-14 · SBA sources checked through 2026-06-14. DealRoom analysis of public SBA 7(a) lending records (FY2020–present). Grounded in the current SBA rulebook; verify against the official sources above before relying on it for a live deal. Not legal, tax, or financial advice, and not an approval decision.
More on what counts toward the 10%
Terms in this answer
This page answers “Can a commitment to inject additional working capital after closing count towards my equity injection?” for SBA 7(a) business buyers — a short answer, the detail, and official sources — from DealRoom.so SBA Intelligence. It is general information, not legal, tax, or financial advice, and DealRoom is not a lender.
Source: DealRoom.so SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. DealRoom is not a lender and does not guarantee financing.
Pre-qualify your SBA 7(a) deal
Tell us the business, the price, and where you are — we'll point you to the lenders most likely to fund a deal like yours and flag anything that trips up approval.
Free · No documents · Usually same-day