S 2223119th CongressIn Committee

Investing in Main Street Act of 2025

Introduced: Jul 9, 2025

Economy & Taxes

Standard Summary

Comprehensive overview in 1-2 paragraphs

The Investing in Main Street Act of 2025 would modify the Small Business Investment Act of 1958 by increasing two investment limits that apply to Small Business Investment Companies (SBICs). Specifically, it raises two 5% thresholds to 15%. By expanding these limits, the bill would give SBICs greater capacity to invest in small businesses, potentially enabling larger or more flexible funding for Main Street firms. The change is narrowly tailored to the investment caps in Section 302(b) and does not include new funding or other programmatic changes on its face; details about implementation would come through SBA rulemaking and oversight.

Key Points

1Short title: The bill is named the Investing in Main Street Act of 2025.
2Core amendment: Section 302(b) of the Small Business Investment Act of 1958 is amended to raise two investment percentage limits from 5% to 15%.
3Practical effect: Increases the allowable share/amount that SBICs may invest under the two specified categories in Section 302(b), expanding SBICs’ capacity to fund small businesses.
4Scope: Applies to investments under the Small Business Investment Act of 1958; no new funding level or guarantees are specified in the text.
5Legislative status and sponsors: Introduced in the Senate on July 9, 2025, by Sen. Young with co-sponsors including Sen. Gallego, Sen. Risch, and Sen. Duckworth; referred to the Committee on Banking, Housing, and Urban Affairs.

Impact Areas

Primary group/area affected: Small businesses seeking capital, particularly those served by SBICs, which use private capital leveraged with SBA support.Secondary group/area affected: Small Business Investment Companies (SBICs) and their investors, who would gain increased investment capacity under the act.Additional impacts: Potentially larger or more rapid access to financing for Main Street firms may influence local economic activity and job creation; may affect risk profiles and oversight requirements for the SBIC program and its administration by the SBA.

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