The Small Business Technological Act of 2025 expands the types of purchases that small businesses can finance using Small Business Administration (SBA) loans. Specifically, the bill allows small businesses to use SBA loans to pay for modern business software and cloud computing services—including tools for payroll processing, accounting, inventory management, human resources, sales and billing, and artificial intelligence-powered business tools. The legislation affects any small business seeking to upgrade its technology infrastructure through SBA financing programs. The bill clarifies that this expansion applies going forward and does not retroactively restrict previous SBA loan uses, while also confirming that the new authority does not extend to research and development projects. No specific funding amounts or implementation timelines are included in the bill.
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