Glossary · The loan itself
Seasoned
In short
Refers to funds that have been held in an account for a sufficient period (typically 60-90 days) to demonstrate they are truly yours and not borrowed or round-tripped.
What it means in a deal
Your equity injection for an SBA loan must be "seasoned." This means funds must be in your account long enough to prove they are legitimate and unencumbered. If funds are not seasoned, you'll need to provide documentation (like a gift letter or liquidation of assets) to show their source. Be prepared to provide bank statements covering the seasoning period.
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
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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