SBA loan basics
Short answer
Yes, funds from a personal investment account can count towards your equity injection, provided the funds are unencumbered and properly documented as coming from the borrower.
Funds from liquid personal investment accounts (e.g., brokerage accounts, mutual funds) are acceptable for equity injection as long as they are traceable, unencumbered (not borrowed against), and belong to the borrower. The lender will require statements showing the funds are readily available and will be transferred to the business or escrow account at closing.
Sarah has $75,000 in a personal brokerage account. She can sell investments and use the cash proceeds as part of her equity injection for a $500,000 business acquisition. The lender would require proof of the account balance and the transfer of funds.
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 2026-06-13. 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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