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A loan is temporary, must be repaid, and the lender has no rights to the business. A capital investment gives the lender specific ownership rights of the company.

An equity injection is a down payment that business owners must provide to qualify for a commercial/business loan, typically 10-20% of the loan amount. Most lenders do not offer 100% financing and will, therefore, require the borrower to bring some of his/her own resources to cover the total project cost. The most common examples of acceptable equity sources include, but not limited to, cash, personal investments, and paid in capital.