Glossary · Your money in the deal
Seasoned funds
In short
Money that has sat in your account long enough (about two months of statements) for the lender to see where it came from. Move your injection cash early.
What it means in a deal
Lenders require bank statements — typically two to three months' worth — covering your injection funds. They want to see that the money was already in your account, not wired in days before closing from an undisclosed source. If you're liquidating investments or receiving a gift, do it early and document it. Funds that appear suddenly without a paper trail will trigger questions, and in some cases the lender will decline to count them toward your injection.
Related terms
Common questions about Seasoned funds
- Can I use SBA 7(a) loan funds for personal expenses?
- Who provides the actual funds for an SBA 7(a) loan?
- Who actually provides the funds for an SBA 7(a) loan?
- What are the rules for using gifted family funds as equity?
- What if my down payment funds are transferred from an international account?
- Are marketing and advertising expenses allowed uses for 7(a) loan funds?
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 2026-06-16 · 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.
Figure out your down payment and equity injection
Tell us your purchase price and how you're funding the down payment — we'll sanity-check the equity injection and show what lenders will actually accept.
Free · No documents · Usually same-day
Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.