Small Business Child Care Investment Act

Sponsor: Susie Lee (Democratic-NV)January 15, 2026

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Introduced

In Committee

Passed One Chamber

Passed Both Chambers

Signed into Law

Referred to the House Committee on Small Business.

Lets nonprofit child care providers apply for Small Business Administration loans to help their businesses.

This bill would let eligible nonprofit child care providers apply for important Small Business Administration loans. Currently, these providers generally cannot get these loans. If passed, this would help them get funding for their operations, though loans over $500,000 would need a guarantee.

What Would Change

Today, nonprofit child care providers are generally not considered "small business concerns" and cannot get Small Business Administration 7(a) or 504 loans. After this bill, eligible nonprofit child care providers would be considered "small business concerns," allowing them to apply for these loan programs. For loans over $500,000, they would need a guarantee from another person or entity.

Key Provisions

Lets eligible nonprofit child care providers apply for the Small Business Administration's 7(a) loan program.
Lets eligible nonprofit child care providers apply for the Small Business Administration's 504 loan program.
Requires nonprofit child care providers to get a payment guarantee from another person or entity for loans over $500,000.
Blocks the Small Business Administration from directly lending money to these nonprofit child care providers.
Blocks the Small Business Administration from denying loans based on a nonprofit's association with First Amendment-protected activities.
Requires the Small Business Administration to report annually to Congress on the number and amount of loans made to these providers.

View on Congress.gov

HR 7109 · 119th Congress · January 15, 2026 · AI Summary by gemini-2.5-flash · 8/10

Small Business Child Care Investment Act

What Would Change

Key Provisions

Lobbying Activity