Creates a new federal financing program to help hospitals and behavioral health facilities buy, build, renovate, add beds, and upgrade telehealth and patient‑care infrastructure for mental health and substance use disorder treatment. Support can come as loans, federal loan guarantees, or grants, with clear eligibility rules, application preferences, and guardrails on interest, fees, maturities, borrower contributions, refinancing limits, and loss payments.

Sets up a Mental Health and Substance Use Treatment Trust Fund that captures any revenues from the loan/guarantee program that exceed program costs. Those surplus amounts stay available until spent and may be used—when Congress provides appropriations—for community mental health services block grants to states.