The Big Beautiful Bill is a game-changer for small businesses, providing more ways to access capital, save on taxes, and reinvest in growth. Whether you’re expanding, purchasing equipment, or improving cash flow, this new legislation unlocks big opportunities—especially when paired with the right business loan.
At Flexibility Capital, we’re here to help you make the most of it.
What Is the Big Beautiful Bill?
The Big Beautiful Bill is newly passed federal legislation designed to strengthen the U.S. economy by supporting entrepreneurs and small business owners. It includes tax reforms and financial incentives that can:
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- Improve your cash flow
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- Reduce your tax burden
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- Make it easier to qualify for business funding
Let’s break down the key provisions—and how they directly benefit your business.
1. Permanent 20% Pass-Through Deduction
What it is:
If your business is structured as an LLC, S-Corp, or sole proprietorship, you can now permanently deduct up to 20% of qualified business income.
Why it matters:
This permanently lowers your taxable income—leaving more money to reinvest in your business or support loan repayment. Stronger retained earnings also help improve your financial profile for small business loans.
2. Section 179 Deduction Now Covers Up to $2.5M
What it is:
The Section 179 deduction limit has increased to $2.5 million for equipment, software, and vehicles—allowing you to deduct the full purchase cost in the same year it’s placed in service.
How it helps:
This change makes equipment financing and short-term business loans even more powerful. You invest in your business today and get the full tax benefit right away.
3. 100% Bonus Depreciation Is Back—Permanently
What it is:
You can now take 100% bonus depreciation on qualifying property, including large capital investments and improvements to business property.
Funding connection:
By pairing this with a business loan, you can expand operations or upgrade infrastructure while immediately writing off the full cost—boosting ROI and cash flow.
4. R&D Deductions Simplified and Expanded
What it is:
Businesses can now immediately expense R&D investments instead of amortizing them over five years. You can also amend past returns to recover prior-year costs.
Why it’s big:
This is a major win for startups and tech-driven small businesses. It boosts near-term liquidity and strengthens your financials when applying for business funding or scaling up operations.
5. Expanded Interest Deductions on Business Loans
What it is:
The bill restores a more generous interest deduction limit, based on EBITDA (earnings before interest, taxes, depreciation, and amortization) instead of EBIT, allowing more of your loan interest to be deducted.
How this helps:
Whether you’re using a working capital loan, line of credit, or merchant cash advance, you’ll be able to deduct more of the interest—reducing the true cost of borrowing.
Why This Bill Matters for Small Business Owners
These changes come at a critical moment. With high operating costs, interest rates, and inflation pressure, this legislation offers strategic tax savings and easier access to funding.
Many of the provisions—like 100% depreciation, the pass-through deduction, and Section 179—are permanent, giving you long-term planning advantages.
How Flexibility Capital Helps You Move Fast
Flexibility Capital provides funding solutions designed to work hand-in-hand with these new incentives:
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- Business loans up to $2,000,000
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- Working capital for managing cash flow gaps
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- Equipment financing to maximize Section 179 savings
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- Bridge loans while waiting on reimbursements or returns
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- Soft credit pull funding — no impact to your credit score
With over $1 billion funded and 1,100+ five-star reviews, we’re trusted by small businesses across construction, retail, trucking, hospitality, and more.
Who Benefits Most From the Big Beautiful Bill?
This bill provides serious value if your business fits one or more of these profiles:
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- You’re planning major equipment purchases
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- You invest in product development or technology
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- You rely on fast access to merchant cash advances or working capital
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- You operate as a pass-through entity (LLC, S-Corp, etc.)
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- You’re gearing up to apply for a traditional business loan
Take the Next Step: Apply for Small Business Funding Today
The Big Beautiful Bill gives you powerful tools—but the benefits only kick in when you act. From bigger deductions to lower borrowing costs, now’s the time to invest confidently in your business.
Let Flexibility Capital help you:
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- Get approved quickly
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- Fund your next big move
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- Make smart use of new tax laws
Apply today or connect with our team to discuss your options.