The USDA Express Loan Act of 2026 aims to streamline the process for approving loans and loan guarantees for farmers and rural businesses. Its main objective is to make it easier and faster for these entities to access financial support, which is crucial for their operations and growth. Key provisions of the Act include the introduction of a simplified application form for real estate and operating loans up to million. Lenders will receive a decision on their application within five business days, which helps reduce waiting times.