Small Business Child Care Investment Act

This bill creates new Small Business Administration (SBA) loan programs specifically for nonprofit child care centers that meet strict criteria, such as being tax-exempt 501(c)(3) organizations providing care for children from birth to school age. It makes these eligible centers qualify for standard SBA loans under sections 7(a) and 504, but requires loan guarantees for amounts over $500,000 and prohibits direct SBA lending (requiring partnerships with banks or financial institutions). The bill also mandates annual SBA reports to Congress tracking the number and value of these loans, while prohibiting loan denials based on religious associations and banning the use of funds for religious activities. This directly affects nonprofit child care centers seeking financing for facility improvements, staffing, or program expansion.