A Republican bill with 1 Democratic cosponsor · See all 2 cosponsors
Last activity — Referred to the Committee on Small Business and Entrepreneurship.
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
This bill is known as the Loans In Our Neighborhoods Act of 2025 or the LIONs Act of 2025. It was introduced in the Senate to change the Small Business Act and the Small Business Investment Act of 1958. The main purpose of the legislation is to increase the maximum loan amounts allowed for certain types of loans. Specifically, it doubles the loan limits for 7(a) loans and development company loans. These changes allow for larger maximum gross loan amounts and limits than what was previously permitted.
Yes· 3 of 5
- Scored +7
Does this make it easier to run a small business?
The bill directly increases the maximum amount available for 7(a) and development company loans for small businesses.
- Scored +7
Would business owners be better off under this?
Business owners gain access to significantly larger loan amounts for their enterprises.
- Scored +3
Is this likely to create jobs?
Increasing loan limits provides businesses with more capital to potentially expand and hire more employees.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Section 2 increases the maximum loan amount for a 7(a) loan. This provision raises the guarantee limit from $3,750,000 to $7,500,000 and the gross loan amount limit from $5,000,000 to $10,000,000. This could benefit people by allowing small businesses to access larger amounts of financial support.
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Section 3 increases the maximum loan amount for a development company loan. This provision changes the previous limits of $5,000,000 and $5,500,000 up to $10,000,000. This could be considered positive because it gives businesses more borrowing power for development projects.
Potential Negative Impacts for People
- The provided text does not contain any explicit mentions of negative consequences, burdens, or provisions that would harm individuals or groups of people in the United States.
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.
- Economy And Finance
- Does this make it easier to run a small business? — The bill directly increases the maximum amount available for 7(a) and development company loans for small businesses. Is this likely to grow the economy? — Higher loan ceilings allow for greater capital infusion into the economy through small business expansion. Is this likely to create jobs? — Increasing loan limits provides businesses with more capital to potentially expand and hire more employees.
- Demographic And Interest Groups
- Would business owners be better off under this? — Business owners gain access to significantly larger loan amounts for their enterprises. Would people in cities be better off under this? — Increased business capital can lead to more local economic activity in urban neighborhoods.
- 9/24/2026
- 1 Cosponsor added.
- 7/30/2025
- Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
- Referred to the Committee on Small Business and Entrepreneurship.
- 4/29/2025
- 1 Cosponsor added.
- 3/6/2025
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Introduced in Senate
2 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
John FettermanDemocrat · Pennsylvania
Roger WickerRepublican · Mississippi