Main Street Lending Improvement Act of 2025

This bill requires the government to study how quickly small business loans are approved and paid out in specific regions, with special focus on areas in the Appalachian region compared to other parts of covered regions. The study will measure processing times, approval rates, loan amounts, and transparency for businesses in these areas from 2021-2024. It mandates an interim report to Congress within one year and a final report with recommendations within two years. The report must propose ways to speed up loan processing, improve application status updates, and reduce government inefficiencies. This is a study bill - no new policies are created, only data will be gathered to potentially improve future loan access.