Small business owners who take out loans through the Small Business Administration's 7(a) program — a government-backed loan system that helps banks feel comfortable lending to small businesses that might not otherwise qualify for a loan — would be able to use that borrowed money specifically to buy business software or cloud computing services. This could include tools for things like payroll, accounting, inventory tracking, or customer sales, and it explicitly covers software that uses artificial intelligence. In practical terms, a small business owner could borrow money through this program to modernize their technology, not just for things like buying equipment or covering operating costs, which is what these loans are more traditionally used for.