SBA 7(a) Q&A
Short answer
Yes, legitimately inherited funds can count towards your equity injection, provided you can fully document the source and transfer of these funds.
Inherited funds are considered personal, unencumbered resources available to the borrower. Lenders will require documentation such as probate court documents, executor statements, and bank statements to verify the inheritance and the clear trail of funds into your account.
You receive an inheritance of $75,000 two months before closing on a business acquisition. You would need to provide documentation from the estate and your bank statements showing the funds being deposited and held in your account.
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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