USDA Express Loan Act of 2026
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Summary
This bill amends the Consolidated Farm and Rural Development Act to streamline USDA loan approval processes. It requires the Secretary of Agriculture to provide simplified application forms and establish a 5-business-day approval timeline for real estate and operating guaranteed loans up to $1 million from Certified Lenders, with varying guarantee percentages based on loan size. The bill also directs the USDA to develop an accelerated application process for business and industry guaranteed loans to rural entities up to $400,000 (or $600,000 if default risk is not significantly increased).
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