YourVoice.Now Summary
Corporate BenefitsSmall manufacturers could borrow up to twice as much from the SBA — but only if all production stays in the U.S.
Corporate Benefits
To qualify, a small manufacturer must keep all production in the United States. Its SBA-backed loan limit would double to $7.5 million, inside a total loan of up to $10 million.
These loans pay for buildings, land, and heavy equipment. Small manufacturers could finance up to $10 million for a single project, up from $5.5 million.
The SBA's export working capital loans help firms fill orders from overseas buyers. For small manufacturers the cap would double to $10 million, with SBA backing up to $9 million per borrower.
More about this bill
If you own a small factory, you could borrow about twice as much through the Small Business Administration (SBA). The cap on the SBA's main business loan would rise from $3.75 million to $7.5 million. Loans for buildings and heavy equipment would go up from $5.5 million to $10 million. Export loans would rise from $5 million to $10 million. To qualify, a business must make its products in the United States, with no plants abroad. A company with even one factory overseas would stay under today's lower limits. Most people would see no direct change. The bill passed the House on December 1, 2025, and now sits in the Senate.
Congressional Summary
Made in America Manufacturing Finance Act This bill increases the maximum loan amounts available to small manufacturers under the Small Business Administration's 7(a) and 504 loan programs. In particular, the bill generally doubles the maximum loan amount for small manufacturers under the 7(a) program and the bill increases the maximum loan amount for small manufacturers under the 504 program from $5.5 million to $10 million. Generally, 7(a) loans provide short- and long-term working capital which can be used for expenses such as operational needs. 504 loans provide financing for major fixed assets such as new facilities.
Legislative Subjects
Details
- Congress
- 119th
- Chamber
- House
- Status
- summarized
- Action
- Reported to House
- Action Date
- 2025-08-15
- Date Added
- 2026-04-24
- Source
- Congress.gov →
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