Glossary · Your money in the deal
Brokerage account
In short
An investment account held with a financial institution that allows you to buy and sell securities like stocks and bonds. Funds in your brokerage account can be used for your equity injection, provided they are seasoned.
What it means in a deal
When demonstrating proof of funds for your equity injection, your brokerage account statements will be required. Lenders want to see that the funds are "seasoned," meaning they've been in your account for at least 90 days, to ensure they're truly yours and not newly borrowed. Liquidate assets well in advance of closing to avoid delays.
Official sources
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Related terms
Common questions about Brokerage account
- Can funds from a personal investment account, like a brokerage account, count towards equity injection?
- Can funds from a personal investment account with fluctuating value, like a brokerage account, count towards equity?
- Can I use funds from a personal investment account, like a brokerage account, for my equity injection?
- Can funds from a personal investment account, like a brokerage account, count towards the SBA 7(a) loan equity injection?
- How does a lender verify equity injection funds from a personal investment account with fluctuating values, like a brokerage account?
- Can funds borrowed against my personal brokerage account be used for the SBA 7(a) equity injection?
Defined by CapBench SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
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