SBA loan basics
Short answer
Yes, funds from your personal savings account are generally acceptable for your equity injection, provided they are properly sourced and verified.
Personal savings are a common and accepted source for the borrower's equity injection. Lenders will require bank statements to verify the funds and their history, often for several months, to ensure they are truly liquid and not recently borrowed or from ineligible sources.
A borrower has $100,000 in their personal savings account for over a year. They can use these funds as their equity injection for a business acquisition loan.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
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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