1. Short title This Act may be cited as the Reinforcing Utility Restoration After Losses (RURAL) Act . 2. Rural utility bridge loans (a) In general Title VII of the Rural Electrification Act of 1936 (7 U.S.C. 950cc–950cc-2) is amended by adding at the end the following: 704. Rural utility bridge loans (a) Line of credit (1) In general The Secretary may provide an eligible borrower with a line of credit from which a loan may be made to replace qualified losses as a result of a covered emergency. (2) Amount The amount of the line of credit shall be the lesser of— (A) 25 percent of the total revenue received by the borrower during the 12-month period ending with the day before the date of the determination referred to in subsection (c)(3) with respect to the covered emergency; or (B) $5,000,000. (b) Loans (1) In general On receipt by the Secretary of documentation that the eligible borrower has a qualified loss as a result of a covered emergency, the Secretary shall make a loan to the borrower from the line of credit in an amount equal to the lesser of— (A) the qualified loss; or (B) the unused amount of the line of credit. (2) Eligibility of qualified loss (A) In general Except as provided in subparagraph (B) of this paragraph, a qualified loss is eligible for a loan made from the line of credit if the loss is incurred not more than 180 days after the date of the determination referred to in subsection (c)(3) with respect to the covered emergency. (B) Authority to adjust The Secretary may— (i) on request of the eligible borrower, reduce the length of eligibility period described in subparagraph (A)