H.R. 5763 · Passed House · Commerce

Main Street Parity Act

Sponsor: Roger Williams (R-TX)

What it does

• Reduce the equity requirement for certain SBA loans by 5 percentage points of total project cost when the property is limited-purpose or single-purpose.
• Apply the reduced equity requirement to SBA loans used for plant acquisition, construction, conversion, or expansion, including land acquisition.
• Lower the borrowing barrier for small businesses seeking financing for real estate and facility investments.

Official summary

Main Street Parity Act This bill lessens the financing requirements for certain Small Business Administration loans to small businesses for plant acquisition, construction, conversion, or expansion, including the acquisition of land. Specifically, the bill reduces the amount of equity a borrower must provide by 5% of the total cost for loans for limited or single-purpose properties.

Latest action

Jan 26, 2026: Received in the Senate and Read twice and referred to the Committee on Small Business and Entrepreneurship.

Committee: Senate Small Business and Entrepreneurship