SBA 7(a) Q&A
Short answer
Generally, no, the value of a personal vehicle cannot count towards the equity injection for an SBA 7(a) loan.
The SBA specifies acceptable forms of equity injection, primarily unencumbered cash and, in some cases, certain business assets or equipment directly related to the acquired business and valued by a qualified third party. Personal assets like vehicles not intrinsic to the business operation are generally not allowed.
If you wanted to contribute a $25,000 truck you personally own to the acquired landscaping business, it would likely not count toward your equity injection unless it was a specialized asset essential to the business and formally appraised for that use.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
Last checked 2026-06-13. 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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