The Investing in All of America Act modifies federal rules governing Small Business Investment Companies (SBICs), which are private firms that lend money to small businesses with backing from the federal government. The bill increases how much money these investment companies can borrow by allowing them to exclude certain investments from federal leverage limits—specifically investments in small businesses located in rural or low-income areas and businesses working in critical technology fields like defense and advanced manufacturing. Individual company borrowing limits increase from $300 million to $200 million under the old formula, while aggregate limits for commonly controlled companies remain at $350 million, but both figures will be adjusted annually for inflation starting in 2025. The changes take effect immediately upon enactment, applying only to new investments made after the bill becomes law, and are designed to direct more capital toward underserved communities and strategically important industries.
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