Small Business Technological Act of 2025
Sponsored By: Representative Alford, Mark [R-MO-4]
Introduced
Summary
Expands SBA 7(a) loans to cover business software, cloud services, and AI-enabled tools. This bill would let small businesses use 7(a) loans to finance software or cloud computing services that support payroll, human resources, sales and billing, inventory and expense tracking, and accounting.
Show full summary
- Small businesses could use 7(a) loan proceeds to buy or subscribe to modern business software, cloud services, and AI tools that run payroll, HR, sales/billing, inventory, and accounting functions.
- The SBA would make these loans under the existing 7(a) loan framework, and loans for these purposes made before enactment remain permissible.
- The bill explicitly excludes research and development as an eligible use and does not change the statutory definition of working capital. It also does not create new funding programs, grants, or tax changes.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Small business loans for software and artificial intelligence
If enacted, small business owners could use SBA 7(a) loans to pay for business software, cloud services, and AI tools. Eligible uses would include payroll, HR, sales, billing, accounting, inventory, and records and expense tracking. The bill would not allow these loans to fund research and development. Loans already made for these uses before enactment would not be treated as invalid. It would take effect upon enactment and would not change the current definition of working capital.
Sponsors & CoSponsors
Sponsor
Alford, Mark [R-MO-4]
MO • R
Cosponsors
Rep. Lee, Susie [D-NV-3]
NV • D
Sponsored 2/4/2025
Mrvan
IN • D
Sponsored 12/18/2025
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov