SBA 7(a) Q&A
Short answer
Yes, personal non-cash assets can count towards equity injection if they are appraised at fair market value by an independent appraiser and directly injected into the business.
Non-cash assets can be considered part of the equity injection if they are unencumbered, valued by an independent appraiser, and are essential to the operation of the business or contribute directly to the business's capital structure. Personal items not used in the business are typically not eligible.
A buyer could contribute $20,000 worth of unencumbered office equipment, professionally appraised, to a new business as part of their equity injection. A personal art collection that will not be used in the business, however, cannot be included.
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.
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