Boosting Housing Supply through Small Businesses

Full Title:
Boosting Housing Supply through Small Businesses Act of 2026

Summary#

This bill would require the Small Business Administration (SBA) and the Department of Housing and Urban Development (HUD) to work together to support small businesses in the housing industry. The agencies must coordinate to expand access to capital, streamline technical assistance and counseling, raise awareness of financial and program resources, and reduce barriers to starting and growing housing-related small businesses. Within 180 days of enactment, the SBA Administrator and HUD Secretary must create and publish an interagency plan. The plan must identify gaps in assistance, propose reforms to SBA loan access or new loan products, outline new or joint training and resources, set up information-sharing and best-practice processes, coordinate with local resource partners, and describe ways to support housing-related startups, including access to SBIR/STTR programs. The agencies must engage state and local governments, industry businesses, resource partners, and community organizations when making the plan.

What it means for you#

  • If you run or are starting a small homebuilding, contracting, property management, or home repair business, the bill aims to increase your access to loans and tailored technical help.
  • Rural and underserved housing businesses are specifically included in the coordination goals.
  • Resource partners such as small business development centers, women’s business centers, veteran outreach centers, and SCORE chapters would be part of coordinated support and trainings.
  • Startups making housing-related innovations could get better routes to SBIR/STTR programs or other innovation initiatives.
  • The interagency plan will be publicly available on the SBA website and submitted to the named congressional committees.

Expenses#

No publicly available information.

Proponents' View#

The bill’s sponsors and findings state that there is a severe shortage of affordable, quality housing, that most homebuilders and specialty contractors are small businesses, and that those small businesses play a significant role in increasing housing supply. Proponents aim to use SBA and HUD coordination to expand capital, technical assistance, and tailored programs to help these businesses grow and support housing supply.

Opponents' View#

No publicly available information.