SBA 7(a) Q&A
Short answer
Yes, a personal vehicle can count towards your equity injection if it is essential to the business operations and properly valued.
SBA rules allow for tangible personal assets, including vehicles, to be contributed as part of the equity injection, provided they are necessary for the business and valued at the lower of cost or fair market value by an independent appraiser. The contribution must be fully documented.
If a buyer is acquiring a landscaping business for $400,000 and needs to inject $40,000 (10%), they could contribute a personal work truck valued at $25,000 (with an independent appraisal) and $15,000 in cash.
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 2026-06-14. 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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