Main Street Lending Improvement Act of 2025

Key Points

• Congress would require the Government Accountability Office to study how fast small business loan money gets paid out.
• The study would look at 2021–2024 loan processing times, approval rates, and average loan amounts in regions that include Appalachia.
• It would compare Appalachian parts of those regions with the non-Appalachian parts to see if there are gaps in access or delays.
• Within 1 year of the law taking effect, the agency would brief Congress on progress; within 2 years it would deliver a public report.
• The report must recommend ways to make loans easier to access, cut wait times, and give applicants clearer status updates during processing.

Impact Analysis

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