Glossary · Reading the business
Non-Cash Assets
In short
Assets a business owns that are not readily convertible to cash, such as equipment, inventory, or accounts receivable. They are important for operations but not for immediate liquidity.
What it means in a deal
In an acquisition, you'll inherit these non-cash assets. They form a significant portion of the business's value and are often used as collateral for your SBA loan. Understand their condition, useful life, and true market value, as book value might be misleading.
Related terms
Common questions about Non-Cash Assets
- What types of non-cash assets qualify for an SBA 7(a) equity injection?
- Besides cash, what non-cash assets can I contribute to meet the 10% equity injection for an $800,000 acquisition?
- What type of independent valuation is required for non-cash assets to count as equity injection?
- Can I use non-cash assets like vehicles or equipment as part of my down payment?
- Can I use appraised business equipment or other non-cash assets as part of my equity injection?
- How does the SBA verify the value of an equity injection consisting of non-cash assets, like equipment?
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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