Investing in Main Street Act of 2025

This bill raises how much banks can put into Small Business Investment Companies (SBICs). It increases the cap from 5% to 15% of a bank’s capital and surplus. SBICs use this money to invest in small businesses, so the change is meant to help more local companies get the funding they need to grow and hire.

It also allows banks to invest up to 15% in SBICs directly or in entities set up only to invest in SBICs. This triples the current limit and could expand the pool of money available for small business loans and equity investments.

• Who is affected: Banks, SBICs, and small businesses seeking investment.
• What changes: The investment cap rises from 5% to 15% of a bank’s capital and surplus, including through entities that invest only in SBICs.
• Why it matters: More private dollars could flow to small businesses for growth and jobs in local communities.