Sponsors (11)
The bill protects small businesses and preserves SBA customer service during short funding lapses, but it does so by committing up to several billion dollars in contingency Treasury spending and by setting a targeted-continuity precedent that could weaken incentives to pass full appropriations and raise fairness concerns for non-SBA programs.
Small-business owners (and their lenders/borrowers) keep SBA loan servicing, disbursements, guarantees, and access to SBA loan programs during a short (up to 30-day prorated) funding lapse, avoiding interruptions to loan payments and business cash flow.
Borrowers, lenders, and other stakeholders retain administrative continuity and customer service at the SBA during short shutdowns, preserving oversight and assistance that supports loan performance and program stability.
Taxpayers benefit from a clear, limited duration for automatic contingency outlays (a defined 30-day or prorated period), which caps the length of emergency Treasury spending tied to these SBA activities during a lapse.
Taxpayers would be on the hook for up to about $5.18 billion in contingency Treasury spending to keep these SBA functions running during a 30-day lapse, increasing federal outlays outside the regular appropriations process.
The measure creates a precedent for targeted, Treasury-funded continuity for specific programs during shutdowns, which could reduce political pressure on Congress to pass full appropriations on time.
Providing emergency continuity only for SBA loan servicing and select SBA programs may advantage SBA borrowers and lenders over beneficiaries of other agencies or services during a lapse, raising fairness and equity concerns.
Based on analysis of 2 sections of legislative text.
Provides FY2026 Treasury funds to continue SBA loan servicing and related administration during a lapse in SBA discretionary appropriations, sized for a 30-day lapse (prorated shorter lapses).
Official title: To ensure continued appropriations for certain Small Business Administration programs during a Government shutdown, and for other purposes.
Introduced September 26, 2025 by Herbert C. Conaway · Last progress September 26, 2025
Provides Treasury funding for FY2026 to keep certain Small Business Administration (SBA) loan programs and related administrative work operating during any lapse in discretionary appropriations that affects the SBA. The amounts are sized to cover a single 30-day lapse (with prorated amounts for shorter lapses) and are available only during such a lapse beginning on or after enactment.