SBA 7(a) Q&A
Short answer
Yes, funds from a personal investment account can be used for your equity injection, provided they are properly liquidated and documented. The funds must be unencumbered and directly contributed to the business.
SBA allows the use of personal liquid assets as part of the equity injection. The funds must be converted to cash and transferred to the business's operating account. The lender must verify that these funds are genuinely the borrower's and are not borrowed against assets of the business being acquired.
If you need a $100,000 equity injection, you could sell $100,000 worth of stocks from your personal brokerage account, deposit the cash, and inject it into the acquired business.
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.
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