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This bill amends the Small Business Act to allow nonprofit child care providers to access Small Business Administration loan programs, including Section 7(a) loans and the 504 program. Eligible providers must be state-licensed, tax-exempt organizations primarily serving children from birth through school age, with employees and volunteers meeting federal background check requirements. The bill requires SBA loans to be made through banks or other financial institutions on a guaranteed basis (not direct lending), mandates third-party guarantees for loans exceeding $500,000, and prohibits using loan proceeds for religious activities while protecting providers from ineligibility based on First Amendment-protected associations.
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