Territorial SBA Loan Guaranty Adjustment Act of 2026

This bill increases the Small Business Administration's (SBA) guarantee rate to 90% for certain loans made to businesses in U.S. territories (like Puerto Rico or Guam) under the SBA's standard 7(a) loan program. It directly affects businesses operating in these territories by making it easier for them to secure loans with higher federal backing. The key provision amends the Small Business Act to set this 90% guarantee rate as the default for covered territory loans, with exceptions for specific existing loan types (e.g., certain disaster loans or pilot programs). This change aims to improve access to capital for territorial businesses without altering other SBA loan terms.