H.R. 915Passed one chamberJobs & the economy
Bill would clarify SBA loans can cover business software and AI tools
Data as of July 23, 2026
HR 915 would explicitly allow SBA 7(a) loans to cover business software, cloud services, and AI tools.AI-decoded35-second read · 4 questions answered below
Decoded
AI-decodedWhat does this do?
HR 915, the Small Business Technological Act of 2025, would clarify that SBA 7(a) loans can be used to pay for business software and technology, including cloud computing, payroll, HR, sales, billing, accounting, inventory tools, and AI-based tools. It confirms this as an approved use rather than creating a new loan program, and states loans still cannot fund research and development.
Who does it affect?
Small business owners seeking financing to modernize operations, and banks and lenders that issue SBA-backed loans.
Why does it matter?
The clarification is meant to reduce ambiguity for lenders approving loans for technology purchases, though it does not change other existing rules on what counts as working capital.
Where does it stand?
- Introduced
- House committee
- House vote
- Senate — You are here
- President's desk
Right now: it passed the House and now goes to the Senate. If the Senate changes it, it goes back to the House before reaching the President.
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Official title
Small Business Technological Advancement Act
- Introduced:
- February 4, 2025
- Latest action:
- July 13, 2026
Received in the Senate and Read twice and referred to the Committee on Small Business and Entrepreneurship.
Read the official bill on Congress.gov