Glossary · Your money in the deal
Contributed Asset
In short
This is an asset, other than cash, that a buyer brings into the business as part of their equity injection. The SBA allows certain assets to count towards your required down payment.
What it means in a deal
You can use a contributed asset, like equipment or real estate, as part of your equity injection, but it must be unencumbered and independently appraised. This can reduce your out-of-pocket cash requirement. Ensure the asset's value is accepted by the lender and SBA.
Official sources
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
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 Contributed Asset
- How does the SBA verify the fair market value of assets contributed as equity injection?
- How does the SBA evaluate the value of contributed equipment for equity injection?
- How does a lender verify the value of contributed real estate for equity injection purposes?
- Is a blanket lien on all business assets always required for a 7(a) loan, regardless of loan size or asset value?
- What is the difference between an asset and stock purchase in a buyout?
- Can a lender accept contributed equity in the form of existing machinery valued by an internal appraisal?
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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