Small Business Bridge Loan Program; create.

HB 414 establishes Mississippi's Small Business Bridge Loan Program within the Department of Banking and Consumer Finance. It creates a revolving loan fund starting with $3 million in fiscal year 2026, which can grow to $6 million over three years, to provide short-term loans (up to $250,000) for eligible small businesses. The program targets businesses operating in Mississippi for at least one year, offering 90-180 day loans to cover immediate financial needs while they secure longer-term financing. Repayments return to the fund for future loans, with no annual lapse of unspent funds.