This bill, titled the "Investing in the American Dream Act," clarifies and expands eligibility for various Small Business Administration (SBA) loan and guarantee programs, including 7(a) loans , microloans , and surety bond guarantees . It defines "eligible individuals" to encompass a range of non-citizens who are lawfully present in the United States and authorized to be employed , such as asylum grantees, refugees, lawful permanent residents, certain nonimmigrants, and individuals granted deferred action under DACA. The legislation aims to ensure that small businesses owned by these individuals can access crucial financial support. To qualify for a covered loan, a small business concern must be located in the United States and at least 51 percent owned and controlled by either U.S. citizens or these newly defined eligible individuals. The bill explicitly prohibits denying a loan solely based on ownership by eligible individuals, provided the business meets all other requirements. Additionally, it prevents the SBA from increasing the 51 percent ownership threshold, ensuring consistent application of these expanded eligibility criteria.