Made in America Manufacturing Finance Act
Summary
What This Bill Does
The Made in America Manufacturing Finance Act creates a new Small Business Act category for a small manufacturer: a small business concern whose primary business is in NAICS manufacturing sectors 31, 32, or 33 and whose production facilities are all located in the United States. It then raises several SBA loan limits for that category. For ordinary 7(a) loans, the manufacturer-specific cap rises from the existing $3.75 million limit to $7.5 million, with a gross loan ceiling reference of $10 million. For export-related 7(a) loans, the bill raises the manufacturer-specific amount from $4.5 million to $9 million, with up to $8 million usable for working capital, supplies, or export financing under paragraph 14 and a gross loan ceiling reference of $10 million. For Small Business Investment Act section 502 development-company financing, the bill raises the relevant loan limit for small manufacturers from $5.5 million to $10 million.
Who Benefits and How
Domestic small manufacturers, NAICS sector 31 manufacturers, NAICS sector 32 manufacturers, NAICS sector 33 manufacturers, U.S.-based production facilities, small manufacturers seeking export financing, certified development companies, SBA 7(a) lenders, equipment suppliers to small factories, and workers at expanding domestic plants benefit because eligible manufacturers can seek larger SBA-backed financing for equipment, working capital, supplies, export activity, and facility expansion.
Who Bears the Burden and How
The Small Business Administration, SBA loan officers, participating 7(a) lenders, certified development companies, businesses with overseas production facilities, applicants outside manufacturing sectors 31 through 33, SBA risk-management staff, and federal taxpayers bear burdens because the bill requires verification of domestic-production status, larger guaranteed-loan underwriting, higher exposure to manufacturer borrowers, revised loan documentation, and exclusion of firms that do not meet the all-production-in-the-United-States definition.
Key Provisions
- Adds a Small Business Act definition for small manufacturers in NAICS sectors 31, 32, or 33 with all production facilities in the United States.
- Raises the ordinary 7(a) loan cap for small manufacturers to $7.5 million with a $10 million gross-loan ceiling reference.
- Raises specified export-related 7(a) loan limits for small manufacturers to $9 million.
- Provides that up to $8 million may be used for working capital, supplies, or export financing under paragraph 14.
- Raises the Small Business Investment Act section 502 loan limit for small manufacturers from $5.5 million to $10 million.
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.
At a Glance
What This Bill Does
Defines domestic small manufacturers for Small Business Act purposes and raises SBA 7(a), export working-capital, and 504-development-finance loan limits for those manufacturers, including increases to $7.5 million, $9 million, $8 million for export-related uses, and $10 million financing thresholds.
Key Policy Areas
Small Business, Manufacturing, Finance
Primary Purpose
Defines domestic small manufacturers for Small Business Act purposes and raises SBA 7(a), export working-capital, and 504-development-finance loan limits for those manufacturers, including increases to $7.5 million, $9 million, $8 million for export-related uses, and $10 million financing thresholds.
Policy Domains
Substantive provisions
Identified Gains
- Domestic small manufacturers
- NAICS sector 31 manufacturers
- NAICS sector 32 manufacturers
- NAICS sector 33 manufacturers
- U.S.-based production facilities
- Small manufacturers seeking export financing
- Certified development companies
- SBA 7(a) lenders
- Equipment suppliers to small factories
- Workers at expanding domestic plants
Identified Costs
- Small Business Administration
- SBA loan officers
- Participating 7(a) lenders
- Certified development companies
- Businesses with overseas production facilities
- Applicants outside manufacturing sectors 31 through 33
- SBA risk-management staff
- Federal taxpayers
Sponsors
Legislative Progress
Passed HouseCommittee on Small Business and Entrepreneurship. Hearings held.
Read twice. Placed on Senate Legislative Calendar under General Orders. …
Senate vitiated previous action of 12/02/2025 by Unanimous Consent.
Received in the Senate and Read twice and referred to …
Received; read twice and referred to the Committee on Finance
Passed House (inferred from eh version)
Considered under suspension of the rules. (consideration: CR H4912-4913)
Passed/agreed to in House: On motion to suspend the rules …
On motion to suspend the rules and pass the bill, …
Motion to reconsider laid on the table Agreed to without …
Stakeholder Effects
cui bono?How this legislation distributes effects. Mention counts reflect frequency, not effect magnitude.
Businesses with overseas production facilities, Domestic small manufacturers, NAICS sector 31 manufacturers
SBA loan officers, SBA risk-management staff, Small Business Administration
Certified development companies, SBA 7(a) lenders
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
- "sba"
- → Small Business Administration
- "small_manufacturer"
- → small business in NAICS sectors 31, 32, or 33 with all production facilities in the United States
We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.
Learn more about our methodology