The Territorial SBA Loan Guaranty Adjustment Act of 2026 increases federal support for small business loans in U.S. territories by raising the Small Business Administration's (SBA) loan guarantee participation rate to 90 percent for covered territory businesses. This means the federal government will back a larger share of loans made to eligible small businesses in territories like Puerto Rico, the U.S. Virgin Islands, Guam, and others, making it easier for lenders to approve loans and reducing risk for both lenders and borrowers. The higher guarantee applies to most SBA loan programs, though it excludes certain specialized loan categories and pilot programs that have their own rules. The bill was introduced in January 2026 and referred to the House Small Business Committee. No specific funding amount or implementation timeline is specified in the legislation.
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