SBA 7(a) Q&A
Short answer
You will need bank statements, brokerage statements, and potentially gift letters to verify the source of your cash equity injection.
Lenders must verify that the equity injection funds are from an eligible source and unencumbered. This typically involves providing at least three months of bank statements, investment account statements, or a properly executed gift letter from an immediate family member.
To show a $50,000 cash injection, you might provide bank statements showing the funds have been held in your personal savings account for several months, or a gift letter from a parent with corresponding bank statements.
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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