Glossary · People and paperwork
Donor Bank Statements
In short
Bank statements from a person gifting funds to the buyer for their equity injection. If you receive a gift for your down payment, the lender will require these to verify the source and seasoning of those funds.
What it means in a deal
If any part of your equity injection is a gift, the donor's bank statements are required to prove the funds are seasoned and not round-tripped. The lender needs to see that the donor had the funds in their account for at least two months prior to the gift, and that the gift was not contingent on repayment. A Gift Letter is also required.
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 Donor Bank Statements
- Are there specific restrictions on the relationship of a non-family gift donor for equity injection?
- Do I need to provide personal financial statements for an SBA 7(a) loan?
- What types of personal financial statements are required for an SBA 7(a) loan?
- If I receive a gifted equity injection, does the donor need to sign any specific documents for the SBA?
- How does a lender verify the source of gifted equity injection funds when the donor is a foreign national?
- What types of personal financial statements are typically required for an SBA 7(a) loan application?
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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