SBA 7(a) Q&A
Short answer
Yes, personal assets, including a vehicle fleet, can potentially count as equity injection if they are directly transferred to the business and properly valued.
Non-cash assets can be part of the equity injection if they are necessary for the business operation, valued at their fair market value (appraised if over $5,000), and transferred to the business. The lender must verify the ownership and valuation of these assets.
If you own a fleet of three delivery vans, each appraised at $20,000 ($60,000 total), and you transfer ownership of these vans to the acquired business, this $60,000 can be counted towards your equity injection.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
Last checked 2026-06-14. 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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