A Republican bill with 6 Republican cosponsors · See all 6 cosponsors
Last activity — Referred to the House Committee on Small Business.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
The "Badge-to-Business Act" amends the Small Business Act to help qualified career law enforcement officers get express loans. It generally prevents the Administrator from collecting a guarantee fee for these loans starting January 1, 2027. To qualify, an individual must have at least 10 years of service as a career law enforcement officer. Additionally, the officer must not be under a pending criminal investigation or administrative proceeding for official misconduct.
Yes· 3 of 8
- Scored +4
Does this make it easier to run a small business?
Provides targeted financial assistance by removing guarantee fees for express loans for a specific group of entrepreneurs.
- Scored +3
Would people in middle age be better off under this?
Career officers with 10+ years experience are typically in this age bracket and benefit from lower loan costs.
- Scored +3
Would business owners be better off under this?
Specifically helps a subgroup of new business owners reduce startup costs.
The opposite
- Scored -1
Does this reduce what the federal government owes?
Eliminating guarantee fees reduces revenue for the SBA, potentially increasing the deficit slightly.
Who it would affect, and how
Potential Positive Impacts for People
- Removal of guarantee fees: Qualified career law enforcement officers may not have to pay a guarantee fee for express loans, which reduces the cost of borrowing (Section 2).
Potential Negative Impacts for People
- Cost-based fee reinstatements: The Administrator can still collect fees if the cost to the Administration of making the loans is greater than zero for a fiscal year (Section 2).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would business owners be better off under this? — Specifically helps a subgroup of new business owners reduce startup costs. Would people in middle age be better off under this? — Career officers with 10+ years experience are typically in this age bracket and benefit from lower loan costs. Would retired people be better off under this? — Retirees with 10+ years of service who wish to start a business are eligible. Would middle-income households be better off under this? — Provides financial incentives for middle-class officers to start businesses. Would people over 65 be better off under this? — Retiring officers may use these loans to transition into business ownership.
- Economy And Finance
- Does this make it easier to run a small business? — Provides targeted financial assistance by removing guarantee fees for express loans for a specific group of entrepreneurs. Is this likely to create jobs? — Lowering borrowing costs for former officers starting businesses may lead to more small business creation and hiring. Is this likely to grow the economy? — Encourages entrepreneurship among qualified law enforcement officers. Does this reduce what the federal government owes? — Eliminating guarantee fees reduces revenue for the SBA, potentially increasing the deficit slightly.
- 9/14/2026
- 3 Cosponsors added.
- 9/10/2026
- Referred to the House Committee on Small Business.
- 3 Cosponsors added.
- Introduced in House
Jake EllzeyRepublican · Texas
Brad FinstadRepublican · Minnesota
Kimberlyn King-HindsRepublican · Northern Mariana Islands
Daniel MeuserRepublican · Pennsylvania
Jimmy PatronisRepublican · Florida
Tony WiedRepublican · Wisconsin