SBA 7(a) Q&A
Short answer
Lenders require recent statements from the investment account showing the funds' availability, a transaction history showing the transfer, and bank statements confirming the funds' arrival in the borrower's operating account.
To count as equity injection, funds from an investment account must be liquid and verifiable. The lender needs to trace the funds from their source to the business. This process confirms the funds belong to the borrower, are unencumbered, and have been irrevocably injected into the business, meeting SBA equity requirements.
A buyer plans to use $200,000 from their brokerage account for an acquisition. The lender will request the most recent 3-6 months of brokerage statements, proof of the sale of investments, a wire transfer confirmation from the brokerage to the buyer's bank account, and the subsequent transfer to the business's 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 2026-06-14. 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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