SBA 7(a) Q&A
Short answer
Yes, funds derived from the sale of personal marketable securities, like stocks or mutual funds, can count towards your equity injection.
SBA rules permit equity injections to come from verifiable personal savings or assets. Funds from the sale of publicly traded securities are considered verifiable and liquid personal assets, provided the sale is complete and the funds are irrevocably injected into the business.
A buyer sells $100,000 worth of personal stock, deposits the cash into their bank account, and then injects it into the acquired business for a $1,000,000 purchase. This $100,000 would count as part of the required equity.
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
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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