SBA Financing

searcher profile

March 02, 2026

by a searcher from Hofstra University - Frank G. Zarb School of Business in Miami, FL, USA

Hello Searchers, I am trying to figure out if I can use HELOC proceeds from personal and investment properties as funds towards the 5-10% down needed for a SBA 7a. What about post closing liquidity requirements? Also, anyone work with Viso to obtain an SBA 7a? They are a lending broker and get paid by the lender at closing. Can anyone shed some color on this? Thank you! Regards, Veeno S
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commentor profile
Reply by a lender
from Cornell University in Los Angeles, CA, USA
Hi ^redacted‌ - nice to meet you. To quickly answer your questions - yes absolutely. A HELOC can be used for your down payment or post-close liquidity if you move it to your bank account. Make sure that the HELOC is active with a token draw. More importantly, the SBA doesn’t penalize you for tapping equity. We have a lot experience financing various companies via the SBA. If you ever need help reviewing a deal, I am happy to help. We work with all the major SBA lenders. The bank pay us after your loan closes, so this is a 100% free service for you. You can email me directly at redacted or schedule a meeting with me: https://cal.com/francodeguzman/30min. Look forward to chatting!
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Reply by a lender
in Ponte Vedra Beach, FL 32082, USA
^redacted‌ Yes — HELOC proceeds (personal residence or investment properties) can typically be used toward the 5–10% equity injection on an SBA 7(a), with a few caveats. SBA allows borrowed funds as equity as long as they’re secured by personal assets (not the target business). The HELOC payment will be included in your global cash flow, and that payment needs to be supported by outside income (W-2, distributions, rental income, etc.) — not solely the cash flow of the business being acquired. There’s no hard SBA rule on post-closing liquidity, but most lenders like to see you retain some cushion — often a few months of personal living expenses at minimum. Using 100% of your liquidity for injection can raise concerns depending on deal risk and industry. On Viso (or similar lending brokers): I’ve never personally worked with Viso, so I can’t speak to their specific approach or skill set. That said, I work with many excellent SBA loan brokers who add real value in packaging, positioning, and aligning deals with the right lender credit box. It’s common for brokers to be compensated by the lender at closing — just make sure you understand whether you’re limited to their lender network and what value they’re bringing beyond simply forwarding the file. Please feel comfortable reaching out to me directly anytime; redacted ###-###-####
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