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Small Business Loan Criteria Update
Recent Bills/Small Business Loan Criteria Update

Small Business Loan Criteria Update

IntroducedOctober 14, 2025
Passed House6 months ago
Intro
House
Senate
Pres
In Senate committee
CommerceGovernment lending and loan guaranteesSmall businessBuilding constructionEconomic development
Why This Matters

The Main Street Parity Act updates the rules for small business loans, making it simpler for businesses to get funding for building or expanding their operations. This change helps support small businesses in growing and improving their facilities.

If you own a small business, it could be easier to get a loan for expansion or renovation.
Who this affects
Small business owners
What changes is this bill making?
  1. 1This bill changes the rules for small business loans related to acquiring or expanding facilities.
  2. 2It removes certain requirements that businesses must meet to qualify for these loans.
  3. 3The bill simplifies the criteria for businesses seeking financial help for construction or renovation.
  4. 4It aims to make it easier for small businesses to access funding for growth.
Read the detailed summary

Main Street Parity Act This bill lessens the financing requirements for certain Small Business Administration loans to small businesses for plant acquisition, construction, conversion, or expansion, including the acquisition of land. Specifically, the bill reduces the amount of equity a borrower must provide by 5% of the total cost for loans for limited or single-purpose properties.

Read full document
Bill Progress3 of 4
Bills must pass the House, Senate, and be signed by the President to become law.
Intro
House
Senate
Pres
IntroducedOct 14, 2025
Sponsors
See all 5 sponsors
HouseJan 20
House Vote
Yes 383No 8Not Voting 40
See How Everyone Voted
SenateCurrent

In Senate committee

President

The President

Donald Trump
President
Awaiting Vote
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