The Main Street Lending Improvement Act of 2025 directs the Government Accountability Office (Comptroller General) to study how the Small Business Administration disburses loans to small businesses. The study will examine loan processing times, approval rates, and loan amounts from 2021 through 2024, with special attention to whether businesses in the Appalachian region experience different outcomes than those elsewhere. Within one year, the Comptroller General must brief Congress on the study's progress, and within two years must submit a final report with recommendations to speed up the lending process, improve transparency for applicants, and identify ways to reduce government inefficiencies. The bill does not allocate specific funding or create new loan programs—it is primarily an oversight measure to evaluate whether the current small business loan system works fairly and efficiently across different regions.
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