SBA 7(a) Q&A
Short answer
Yes, funds from your personal checking account, verified with a two-month bank statement history, are typically eligible and commonly used for your SBA 7(a) equity injection.
Lenders require verification that equity injection funds are truly the borrower's unencumbered cash. Providing personal bank statements, usually for the most recent two to three months, demonstrates that the funds have been seasoned in your account and are not recently borrowed. This documentation helps confirm the source and availability of your cash injection.
For a $70,000 cash equity injection, you would provide copies of your personal checking account statements for the last two months, showing the funds have been consistently present and available for injection into the acquired business.
Insider move
Lenders scrutinize bank statements to ensure funds are not from a prohibited source (e.g., a short-term unsecured loan) and have been seasoned. Any large, recent deposits will require further explanation and documentation to verify their legitimate origin.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
Last checked 2026-06-13. 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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