Sponsors (11)
The bill protects SBA borrowers and lenders from short-term disruptions during brief funding lapses by authorizing limited Treasury-funded continuity, at the cost of up to several billion dollars in contingency spending and a precedent that could lessen incentives to timely pass full appropriations and favor SBA programs over others.
Small-business owners with SBA loans keep loan servicing, disbursements, guarantees, and access to SBA loan programs during up to a 30-day funding lapse, avoiding interruptions in payments and funding.
Borrowers and lenders maintain access to SBA customer service and oversight during short shutdowns because the SBA can continue core administrative functions for covered programs.
Federal emergency outlays for these continuity actions are capped to a defined short period (30 days or prorated), limiting open-ended Treasury spending during a lapse.
Taxpayers could bear up to about $5.18 billion in contingency Treasury spending to keep SBA loan servicing running during a 30-day lapse, increasing federal outlays without a new appropriation vote.
The bill creates a precedent for Treasury-funded, automatic continuity for specific programs during shutdowns, which may reduce political pressure to pass full appropriations on time.
Providing emergency funding only for SBA loan servicing and certain SBA programs during a lapse may favor SBA borrowers and lenders over users of other agencies or services, raising equity concerns.
Based on analysis of 2 sections of legislative text.
Provides Treasury funds to keep specified SBA loan programs and related admin functions operating during a lapse in SBA discretionary appropriations, sized for a 30-day lapse and prorated for shorter gaps.
Introduced September 26, 2025 by Herbert C. Conaway · Last progress September 26, 2025
Provides one-time Treasury funding to keep certain Small Business Administration (SBA) loan programs and related administrative functions operating during a lapse in SBA discretionary appropriations that begins on or after enactment. The funding is sized to cover a single 30-day lapse (with prorated amounts for shorter lapses) and targets specific SBA loan authorities and related administrative costs.