Small Business Technological Act of 2025

This bill would authorize the Small Business Administration to provide financing for business software and cloud computing services through its 7(a) loan program. Eligible expenses would include technology for operations, payroll, accounting, and inventory tracking, specifically including tools that utilize artificial intelligence. The proposal aims to expand the types of technological investments small businesses can fund through the agency's primary lending program.

This bill affects small businesses that are unable to obtain reasonable credit terms and seek financing for business software or cloud computing services. It also impacts the Small Business Administration (SBA) and participating lenders who provide loan guaranties through the 7(a) loan program. Additionally, the legislation applies to providers of business tools that utilize artificial intelligence for operations such as payroll, accounting, and inventory tracking.

• Expansion of 7(a) Loan Program Eligibility. Authorizes the Small Business Administration to provide loan guaranties for the purchase of business software or cloud computing services. This financing is intended for small businesses that cannot otherwise obtain reasonable credit terms.
• Support for Operational and Administrative Technology. Permits loan funds to be used for technology that facilitates core business functions, including payroll processing, human resources, accounting, inventory tracking, and sales and billing.
• Inclusion of Artificial Intelligence Tools. Specifies that eligible software and services include business tools that utilize artificial intelligence to support operations or product delivery.

• H.R. 915, Small Business Technological Act of 2025
  Jun 16, 2026 · As reported by the House Committee on Small Business on June 3, 2026

This bill expands the authorized uses of the Small Business Administration's existing 7(a) loan program, which serves as the agency's primary mechanism for providing loan guaranties to small businesses. It specifically modifies the program's scope to include the financing of business software, cloud computing services, and tools utilizing artificial intelligence.

The bill aims to expand the Small Business Administration's 7(a) loan program to allow small businesses to finance software and cloud computing services, including tools utilizing artificial intelligence. This initiative is intended to support various business functions such as operations, payroll, human resources, sales, and inventory tracking for businesses that cannot otherwise obtain reasonable credit terms.