CEASE Act of 2025

House Votes

This bill puts a hard cap on how many for‑profit companies can make SBA 7(a) small business loans. It tells the SBA to allow no more than 16 for‑profit Small Business Lending Companies (SBLCs) to be authorized to make these loans at any time. Nonprofit lenders are not counted in this cap. The goal is to limit how many new for‑profit SBLCs can enter the program at once, keeping the number steady rather than constantly growing .

Key points:

• Who is affected: For‑profit SBLCs and small businesses that use SBA 7(a) loans through these lenders.
• What changes: The SBA must keep the number of authorized for‑profit SBLCs at 16 or fewer; nonprofits are not included in that count .
• When: The limit applies “at any time,” meaning the cap is ongoing once in effect.