Glossary · Your money in the deal
Marketable securities
In short
Investments like stocks, bonds, or mutual funds that can be quickly converted to cash. These can be used as part of your equity injection or pledged as collateral for an SBA loan, if unencumbered.
What it means in a deal
If you're using marketable securities for your equity injection, you'll need to liquidate them and provide bank statements showing the funds are 'seasoned' (held for at least 90 days). If pledging as collateral, they must be unencumbered and held in a brokerage account that the lender can secure with a lien.
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 Marketable securities
- Can personal marketable securities (stocks/bonds) be used as collateral if business assets are insufficient?
- Can pledged marketable securities, like stocks, serve as additional collateral for an SBA 7(a) loan?
- What criteria justify a lender waiving a lien on readily marketable personal assets from a guarantor?
- When can a lender waive the requirement for a lien on readily marketable personal assets of a guarantor?
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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