Investing in All of America Act of 2025
May 19, 2026
Became law: May 19, 2026
May 19, 2026
Became law: May 19, 2026
Summary
Encourages investment in small businesses in rural, low-income, and tech areas by changing the rules on how much money investment companies can borrow.
What problem does this solve?
Small businesses in rural, low-income, and critical technology areas often have a hard time getting the money they need to grow. This law helps by allowing investment companies to borrow more money from the government if they invest in these specific types of businesses.
What does this law do?
Excludes certain investments from borrowing limits
Allows investment companies to not count money invested in businesses in rural, low-income, critical tech, or small manufacturing areas toward their total borrowing limit.
Updates borrowing limits for investment companies
Changes the maximum borrowing amount for a single investment company to $175 million (or $250 million for some) and for a group of companies to $350 million (or $475 million for some).
Caps the amount of excluded investments
Limits the total amount of investments that can be excluded from the borrowing limit to either 50% of the company's private capital or $125 million, whichever is less.
Expands sources of private investment funds
Allows funds from college or university foundations, endowments, or trusts to be counted as private capital for investment companies.
Who does this affect?
- Small businesses in rural, low-income, and critical technology areas
- Small Business Investment Companies (SBICs)
- Small manufacturers
What is the real world impact?
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Boosts local and tech economies
Encourages investment companies to put money into small businesses in rural, low-income, and critical technology areas. This can help create jobs and strengthen local economies and key industries.
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Increases financial risk for the government
By allowing investment companies to borrow more against government backing, the Small Business Administration takes on more risk. If the businesses that receive this money fail, taxpayers could be responsible for the losses.
When does this start?
The new rules for investment exclusions apply to any investments made after the law was passed on May 19, 2026.