S3136-119

Introduced

To waive the guarantee fee for certain business loans made to veterans and spouses of veterans.

119th Congress Introduced Nov 6, 2025

Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.

Summary

What This Bill Does

Waives SBA 7(a) guarantee fees for certain veteran-owned and spouse-owned small-business loans up to a defined amount.

Who Benefits and How

Eligible veteran-owned and spouse-owned small businesses could obtain guaranteed loans at lower upfront cost.

Who Bears the Burden and How

The SBA would absorb the foregone fee revenue and administer the waiver criteria.

Key Provisions

  • Waives the SBA 7(a) guarantee fee for covered veteran- or spouse-owned small-business loans up to the specified threshold.

Evidence Chain:

This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers.

At a Glance

What This Bill Does

Waives SBA 7(a) guarantee fees for certain veteran-owned and spouse-owned small-business loans up to a defined amount.

Key Policy Areas

Small Business, Finance, Veterans Affairs

Primary Purpose

Waives SBA 7(a) guarantee fees for certain veteran-owned and spouse-owned small-business loans up to a defined amount.

Policy Domains

Small Business Finance Veterans Affairs

Main Provisions

Identified Gains
Contextual inference, no direct clause citation
  • Veteran-owned and spouse-owned small businesses seeking SBA-backed credit
Model: codex-gpt-5 | Version: bill_summary_v2 | Source: is

Contextual inference, no direct clause citation

Identified Costs
Contextual inference, no direct clause citation
  • Small Business Administration officials and the federal government absorbing the waived guarantee fees
Model: codex-gpt-5 | Version: bill_summary_v2 | Source: is

Contextual inference, no direct clause citation

Legislative Progress

Introduced
Introduced Committee Passed
Nov 6, 2025

Mrs. Shaheen (for herself and Mr. Markey) introduced the following …

Impact analysis is available but no clear stakeholder effects identified. View clause-level analysis →

Bill Structure & Actor Mappings

Who is "The Secretary" in each section?

Domains
Small Business Finance Veterans Affairs

We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.

Learn more about our methodology