Startup
$600 Billion
Launch new employers, franchises and Main Street firms.
START • BUY • GROW • OWN
$3 Trillion for Small Business.
16 Million New Jobs.
$4.5 Trillion in Economic Activity.
The national plan to start, buy and grow 4 million American small businesses.
Impact figures are scenario estimates, not guaranteed forecasts.
The Proposition
Two coordinated capital engines for American entrepreneurship.
Mobilize more than $3 trillion for American entrepreneurship: $1.5 trillion in private and federally supported financing through qualified lenders, plus at least $1.5 trillion in potential direct and professionally managed private investment—without requiring $3 trillion in federal spending.
Acquisition
$500 Billion
Finance transitions as retiring owners sell viable companies.
Expansion
$400 Billion
Add people, equipment, locations and domestic capacity.
$1.5TMECA FinancingStartup • Acquisition • Expansion
$1.5T+Private InvestmentDirect • Platforms • Managed funds
$3T+Total CapacityTwo coordinated capital engines
Private growth capacity: at least $1.5 trillion in potential owner equity and expansion capital. Compounding return: loan repayments recycle financing capital, while dividends, appreciation and successful exits recycle investor capital.
The Economic Impact of $3.0 Trillion+
Capital designed to produce businesses, payroll and economic activity.
MECA combines $1.5 trillion in startup, acquisition and expansion financing with at least $1.5 trillion in potential private investment.
4 Millionbusinesses financedProgram objective
16 Millionjobs created or preservedAt 4 jobs per business
$960 Billionannual payroll supportedAt $60,000 per job
$3.0–$4.5Tillustrative activity supportedScenario estimate at 1.0–1.5× total capital capacity
Across four million businesses, core financing averages approximately $375,000. If the private channel mobilizes another $1.5 trillion, systemwide capacity would average approximately $750,000 per participating business, although actual amounts would vary.
A Missing Ownership Path
Financing a Business Should Be as Easy as Financing a Degree.
Washington made it easier for young Americans to finance college than to buy a viable business. Student loans are based largely on enrollment; business lenders may reject a young buyer for limited experience—even when the company has proven cash flow.
Roughly $1.7 trillion is owed by 42.6 million federal student-loan recipients, including about $220 billion in default as of March 2026. MECA pairs disciplined underwriting with mentoring and monitoring to finance productive assets. Repayments recycle capital; successful firms generate jobs, taxes and owner wealth.
Why MECA Resonates Across America
Ownership can broaden participation in the American economy.
Gen Z
“You were not born too late for the American Dream.” With 74% of Gen Z nonowners aspiring to start a business, MECA turns ambition into ownership and wealth.
Economic Defense
National defense protects America; economic defense gives families a stake in it. MECA mobilizes $3 trillion-plus for businesses across every congressional district.
Small-Business Owners
If strategic capital is good enough for chips, it is good enough for Main Street. MECA provides broad-based capital—not selective funding for politically favored firms.
Mentoring Is MECA’s Operating System
Capital paired with readiness, monitoring and accountability.
Every borrower receives a trained mentor, operating plan and early-warning system. Stronger operators create safer loans, healthier companies and better taxpayer returns.
Before fundingReadiness assessment, mentor match, cash-flow validation and due diligence.
First 24 monthsMonthly mentoring, operating dashboard, quarterly reviews and rapid-response help.
AccountabilityMeasure mentors by borrower survival, repayment and growth—not attendance.
Taxpayer protectionRisk-based pricing, shared risk, diversification, fraud analytics, reserves and public reporting.
5% for American Entrepreneurship
Turn savers into investors.
Americans face no wealth test before risking money in Las Vegas; they should not be barred from backing an entrepreneur or neighborhood business.
Congress should create a safe harbor allowing every American—not just accredited investors—to invest up to 5% of a portfolio, capped at $100,000 annually, in qualified small businesses or professionally managed funds.
Five percent of America’s $47.6 trillion retirement market illustrates up to $2.38 trillion in theoretical capacity. MECA’s $3 trillion headline assumes at least $1.5 trillion is mobilized; fuller participation could move capacity toward $3.9 trillion.
Regulated crowdfunding platforms would open direct participation. Qualified investments that become worthless would receive a full ordinary-income deduction, expanding small-business-loss treatment beyond capital-loss rules that generally limit net deductions to $3,000 annually. Disclosures, escrow, fraud screening and transparent reporting would protect investors.
The Choice
MECA adds a missing national pillar—broad-based ownership.
A nation of owners is more productive, resilient and united. The next economic boom should belong to Americans.
Read the Full Program SummarySources & Methodology
Source framework from the August 2026 MECA Program Summary.
- Federal Student Aid.
- Wells Fargo Gen Z survey.
- Investment Company Institute.
- NVCA 2024–2026 Yearbooks.
Additional context: CBO, SBA Office of Advocacy, Census Bureau, Defense Department and Intel.
Important: Impact figures are scenarios, not guaranteed forecasts; validate before legislative introduction.