
April 7, 2026
The SBA promised less bureaucracy under new leadership, then raised credit score requirements, tightened collateral rules, and restricted immigrant ownership — making access harder for the businesses most in need. JPMorgan's $80 billion American Dream Initiative sounds transformative, but its reach stops at businesses already close to qualifying. This piece examines who actually gets turned away and proposes three concrete fixes: a policy-caused injury loan program, a fuel cost offset for high-exposure operators, and cash-flow underwriting as the SBA standard.
Copyright 2026
Sri Kaza