How much did your SBA lender want for the equity injection?

Tom G.BuyerQualifiedOct 18, 2026

I keep hearing 10% but my lender is talking about more because I haven't run a business in this industry. What did yours ask for, and did a seller note count toward it?

2 answers

Walt H.BuyerQualifiedOct 19, 2026

10% on paper, but mine wanted to see more liquidity after closing than the injection itself. Ask them for the post-close cash number too, not just the injection.

Rosa V.BuyerQualifiedOct 20, 2026Helpful

Mine accepted a seller note for half of the 10%, on full standby for the first two years. The owner had to agree to the standby in writing, so raise it with the seller early.

Your answer

Members answer here, under their own name and photo or anonymously. These are sample conversations between invented members.

Request early access

How the community works

Your name, or an alias

Members post under their own name and photo. Anyone can tick “Post anonymously” to post under an alias instead, with no name, no photo and no link to a profile or listing.

Experience, not advice

Members share what worked for them and why. For your own situation, the answer still comes from your attorney, accountant or lender.

No selling

No pitches and no “message me”. Brokers and other professionals are welcome to answer, and their badge says who they are.