# 119-s-3136: Heroes Business Opportunity Act of 2025

119-s-3136, Heroes Business Opportunity Act of 2025, is a 119th Congress bill sponsored by Sen. Shaheen, Jeanne [D-NH] (D-NH); status introduced; PRIA reads it as touching household money (as of 2026-09-10).

- Canonical: https://policyrisk.com/legislation/119-s-3136
- As of: 2026-09-10
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-3136
- Congress: 119
- Title: Heroes Business Opportunity Act of 2025
- Status: introduced
- Introduced: 2025-11-06
- Sponsor: Sen. Shaheen, Jeanne [D-NH] (D-NH)
- Cosponsors: 1
- Policy area: Commerce
- Touches household money: yes
- Last recorded action: 2026-09-10

## Summary

**Creates a fee waiver for SBA 7(a) loans made to veteran- or spouse-owned small businesses.** This bill would stop the Small Business Administration from collecting the standard guarantee fee on qualifying 7(a) loans when the deferred participation share is $1 million or less and the loan is not made under the specified paragraphs. It also spells out which veterans and spouses count as eligible.

## Cosponsors (1)

- Sen. Markey, Edward J. [D-MA] (D-MA), 2025-11-06T00:00:00.000Z

## Provisions PRIA read

- SBA fee waiver for veterans: benefit, medium. If enacted, the bill would bar the Small Business Administration from collecting the guarantee fee on some SBA 7(a) loans. The waiver would apply only to small businesses owned by a veteran or a spouse of a veteran. The loan must not be made under paragraphs (36) or (37). Also, the deferred partici…

## Related bills

- 119-s-3990: PrEP Access and Coverage Act of 2026
- 119-s-2823: FAMILY Act
- 119-s-2231: GLOBE Act of 2025
- 119-s-51: Washington, D.C. Admission Act
- 119-s-5108: Right to IVF Act of 2026
- 119-s-1503: Equality Act

## Sources
- [119-s-3136 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/3136)

## Related
- [119-s-3990: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-s-3990)
- [119-s-2823: FAMILY Act](https://policyrisk.com/legislation/119-s-2823)
- [119-s-2231: GLOBE Act of 2025](https://policyrisk.com/legislation/119-s-2231)
- [119-s-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-s-51)
- [119-s-5108: Right to IVF Act of 2026](https://policyrisk.com/legislation/119-s-5108)
- [119-s-1503: Equality Act](https://policyrisk.com/legislation/119-s-1503)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-3136 (as of 2026-09-10).