The Small Business Disaster Damage Fairness Act of 2025 aims to improve access to disaster loans for small businesses affected by disasters. The main objectives are to increase the amount of disaster loans that can be obtained without requiring collateral and to enhance outreach efforts to ensure that both rural and urban communities can access these loans effectively. One of the key provisions of the Act is the increase of the minimum disaster loan amount that the Small Business Administration (SBA) can provide without requiring collateral.