Small businesses can now borrow money for software and AI tools.
H.R. 915 — Small Business Technological Act of 2025 · Filed by Mark Alford (R-MO) · 3 cosponsors · Introduced Feb 4, 2025 · Passed chamber
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What it does
The bill lets small businesses borrow money for software and cloud computing. It also covers AI tools like payroll and accounting systems. The bill clarifies the SBA could already make these loans. It does not change rules about research spending or working capital.
Who it affects
Small business owners can get lower-cost loans to buy technology. Banks and lenders that give SBA loans will have more borrowers.
One thing to notice
The bill does not set limits on loan amounts or which software vendors businesses can use.
From the analysis of the bill text, linked under Primary records below.
Where it stands
3 cosponsors: 3 Democrats.
- Feb 4, 2025 — Introduced · Congress.gov: “Introduced in House”
- Feb 4, 2025 — Referred to House Committee on Small Business and Senate Committee on Small Business and Entrepreneurship · Congress.gov: “Referred to the House Committee on Small Business”
- May 20, 2026 — Markup held in committee · Congress.gov: “Committee Consideration and Mark-up Session Held”
- May 20, 2026 — Reported out of committee · Congress.gov: “Ordered to be Reported by the Yeas and Nays: 23 - 0”
- Jun 23, 2026 — Floor vote scheduled · Congress.gov: “Mr. Williams (TX) moved to suspend the rules and pass the bill, as amended”
- Jun 24, 2026 — Passed the House · Congress.gov: “On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required)…”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Words to know
- cloud computing — Software and data stored on the internet instead of on a computer.
- AI tools — Software that uses artificial intelligence to help run a business.
- SBA — The Small Business Administration, a federal agency that helps small businesses.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (1,369 characters) on Jul 10, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 14,522 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
As of — page rendered 2026-09-21.
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