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house Bill H.R. 116

Should Banks and Savings Institutions be Able to Invest More Money in Small Businesses?

Argument in favor

Small Business Investment Companies (SBICs) provide a good return to investors while giving small businesses access to the capital they need to grow. This is a win-win and should be given greater support by allowing banks and savings institutions to invest more of their capital and surplus into these instruments.

Skylor's Opinion
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01/14/2019
Small business’ drive communities and their tax revenue stays in communities more. I am a small business owner and I consult to help others build their business’. Financing a startup is very difficult. Especially when it comes to securing funds from banking institutions. Please help Americans build their dreams. Small business is the foundation of our country.
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operaman's Opinion
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01/14/2019
Yes, invest in business since it's the heart of America's employment for local jobs.
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Eurynome's Opinion
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01/15/2019
It's the fabric of America please invest in Small Business!
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Argument opposed

All investments, no matter what they are, carry a degree of risk. Allowing banks and savings institutions to put too much of their capital and surplus into any one type of investment increases risk in the market, and could expose banking consumers to greater risk, as well.

Azrael's Opinion
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01/14/2019
Not during this administration Come back in 2020
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SirRobert's Opinion
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01/14/2019
Sounds like a slippery slope AND somebody is making BIGLY bucks on this deal!
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ConservativeGuy's Opinion
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01/14/2019
These companies are unable to obtain financing through traditional bank loans. That means they are high risk. Unless the bank is taking an equity stake in the company, their return would not justify the additional risk. “Lower Middle Market” companies are those companies with between $20-50Million. By the time they got to that point, they established a number of patterns and trends. Let those pattern and trends speak for themselves, good or bad. I suspect this will pass, but I would need way more information before signing off.
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bill Progress


  • Not enacted
    The President has not signed this bill
  • The senate has not voted
      senate Committees
      Committee on Small Business and Entrepreneurship
  • The house Passed January 14th, 2019
    Roll Call Vote 403 Yea / 2 Nay
      house Committees
      Committee on Small Business
    IntroducedJanuary 3rd, 2019

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    Small business’ drive communities and their tax revenue stays in communities more. I am a small business owner and I consult to help others build their business’. Financing a startup is very difficult. Especially when it comes to securing funds from banking institutions. Please help Americans build their dreams. Small business is the foundation of our country.
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    Not during this administration Come back in 2020
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    Dear Countable users, I am deeply concerned over how this platform is transforming. I wish for liberals and conservatives to think more moderately. What makes Countable so great is the debate between the two sides. I hope that conservatives rise up again, and that everyone thinks before they say. It is because we are skeptical and curious, intellectual human beings that make America so desirable. ~ The Moderate Guy
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    Yes, invest in business since it's the heart of America's employment for local jobs.
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    It's the fabric of America please invest in Small Business!
    Like (23)
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    Sounds like a slippery slope AND somebody is making BIGLY bucks on this deal!
    Like (19)
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    YES.... WE SHOULD SUPPORT SMALL BUSINESS INVESTMENT CO. Small Business Investment Companies (SBICs) provide a good return to investors while giving small businesses access to the capital they need to grow. This is a win-win and should be given greater support by allowing banks and savings institutions to invest more of their capital and surplus into these instruments. SneakyPete.......... 👍🏻👍🏻👍🏻👍🏻👍🏻. 1*14*19..........
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    Small Business Investment Companies (SBICs) provide a good return to investors while giving small businesses access to the capital they need to grow. This is a win-win and should be given greater support by allowing banks and savings institutions to invest more of their capital and surplus into these instruments.
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    Absolutely boost the economy!
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    These companies are unable to obtain financing through traditional bank loans. That means they are high risk. Unless the bank is taking an equity stake in the company, their return would not justify the additional risk. “Lower Middle Market” companies are those companies with between $20-50Million. By the time they got to that point, they established a number of patterns and trends. Let those pattern and trends speak for themselves, good or bad. I suspect this will pass, but I would need way more information before signing off.
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    This has some ideas similar to h.r.10. Go ahead and pass it.:)
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    They should be able to invest anything they want. Let the buyer beware. Banks are an investment, so pick one that invests wisely and can return your deposit (i.e. your investment).
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    The idea of more support of small business growth sounds good but we are in the process of deregulation of the banks and mortgage companies. And too little regulation is what caused most of the housing market collapse in 2008. We bailed them out then at a cost to tax payers to avoid a run on the banks/depression. Let’s not go down the same path again. And, for the people responding to this and blaming the collapse/deregulation on democrats- Bush was president when the 2008 collapse happened; Obama increased regulation and the current administration is in the process of deregulation.
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    Not only should banks be able to loan more to small businesses, they should offer more small loans (micro loans) to help businesses grow.
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    Vote yes!! Small businesses are the backbone of America. Plus, there is little to no chance they will lay-off their employees and outsource their jobs overseas.
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    If we want to support small businesses and make them “The Lifeblood” of the U.S. economy, as They are often retired to, then we need to write corporate policy around small business and let the large corporations follow those regulations, or adjust for larger corporations. Since Republicans have created a capitalist environment , in which businesses have to Pay to Play, the only ones who can afford the extortion and the ability to write their own laws, are large, unethical, corrupt corporations. If we want small business to succeed, we need to repeal Citizens United and take away corporate lobbying And all private money out of politics. Set term limits for representatives. Create campaign finance regs that limit campaigns to 5 weeks and allow a maximum of $1 per each constituency within a candidate’s jurisdiction. Ban PACs and other non-profits from political campaigns. That will make negative political advertising worthless and a waste of valuable time and limited funds. All of this would foster a stronger America and a better opportunity for small businesses. It’s hard for a small business to compete with larger corporations when small business does not get the same tax loopholes and breaks that corporations do. We need ethics in capitalism and governance.
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    All investments are risky. When banks and savings institutions put a lot of their capital and surplus into any one type of investment it makes the risk even worse, and could put banking consumers in a greater risk situation which could lead to another recession or depression. We’re already on the way toward that with the tax cuts for the rich which puts everyone else at risk. .
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    Some federal contractors were once small businesses.
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    Sometimes it does seem high risk but worth it Small businesses make this Country what it Is I support and Wish well to New Start Ups ! Peace
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    Title Investing in Main Street Act Official Title To amend the Small Business Investment Act of 1958 to increase the amount that certain banks and savings associations may invest in small business investment companies, subject to the approval of the appropriate Federal banking agency, and for other purposes. Vote YEA
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