SBA 7(a) Q&A
Short answer
Yes, funds from a personal investment account can count towards equity injection, but they must be liquidated into a bank account and verified as unencumbered before closing.
The SBA requires liquid, unencumbered funds for equity injection. While the investment account itself can be the source, the funds must be converted to cash and available in a traditional bank account to be verifiable and demonstrate the buyer's commitment at closing.
A buyer liquidates $80,000 from their stock brokerage account and transfers it to their personal checking account. If bank statements show the transfer and the funds remain in the checking account up to closing, this $80,000 can be used for the equity injection.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
7(a) Loan Program — Terms, Conditions, and Eligibility
U.S. Small Business Administration · Official SBA source
SOP 50 10 - Lender and Development Company Loan Programs
Last checked 2026-06-13. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-13 · SBA sources checked through 2026-06-13. 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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