SBA 7(a) Q&A
Short answer
Yes, funds generated from the sale of personal investments, such as stocks, bonds, or cryptocurrencies, can be used for your equity injection.
The SBA permits cash equity injections sourced from a borrower's personal liquid assets. The key requirement is that the funds must be clearly verifiable as belonging to the borrower and must be fully liquid and accessible at the time of injection. Documentation of the sale and transfer of funds will be required.
If you sell $70,000 worth of stock from your brokerage account and transfer the proceeds to your personal savings account, these funds can then be used as part of your required equity injection for a $700,000 business acquisition.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
SBA Form 1919 - Borrower Information Form
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.
More on down payment & equity injection
Terms in this answer
Pre-qualify your SBA 7(a) deal
Tell us the business, the price, and where you are — we'll point you to the lenders most likely to fund a deal like yours and flag anything that trips up approval.
Free · No documents · Usually same-day