SBA 7(a) Q&A
Short answer
Yes, funds from a personal investment account, such as a brokerage account, can be used for your equity injection, provided they are liquid and properly documented.
The SBA allows liquid assets, including funds from brokerage or investment accounts, to count towards the equity injection. The lender will require statements to verify ownership, liquidity, and the transfer of funds into the business account prior to or at closing.
If you have $75,000 in a stock brokerage account for a required $100,000 equity injection, you would liquidate $75,000 of investments, transfer the cash to your bank account, and then inject it into the acquired business.
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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