SBA 7(a) Q&A
Short answer
Verifying funds in foreign bank accounts requires extensive documentation, including translated bank statements and proof of legal transfer, to ensure the funds are legitimate and unencumbered.
Lenders must verify the source of equity injection funds. For funds held in foreign accounts, this involves obtaining bank statements for several months, often requiring official translation into English. The lender will also require documentation showing the legal transfer of these funds into a U.S. bank account prior to closing, adhering to anti-money laundering regulations and ensuring the funds are accessible and cleared.
If you're injecting $150,000 from a foreign account, you'd need to provide 6-12 months of statements from that account, translated by a certified professional. Additionally, you'd provide wire transfer confirmations and U.S. bank statements showing the funds' arrival and clearance before closing.
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
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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