This bill gives the Small Business Administration more flexibility to meet demand for its 504 loan program, which helps small businesses secure financing through state or local development companies, often for purchasing real estate or major equipment. Specifically, it allows the SBA Administrator to increase the annual cap on loan guarantee commitments by up to 115 percent if it looks like demand will exceed the existing legal limit for that fiscal year. Before using this authority, the Administrator must notify relevant Senate and House committees at least 30 days in advance. This expanded authority can only be used once per fiscal year, and it would take effect starting in fiscal year 2027. The change mainly benefits small business owners seeking 504 loans and the development companies that help administer them, by reducing the risk that program funding runs out before the end of the year.