HR3174-119

Passed House

Made in America Manufacturing Finance Act

119th Congress Introduced May 1, 2025

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

Small Business Manufacturing Finance

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
Model: codex-gpt-5 | Version: bill_summary_v2 | Source: rh
SBA 7(a) lenders: , , , , ,
Domestic small manufacturers: , , , , ,
NAICS sector 31 manufacturers: , , , , ,
NAICS sector 32 manufacturers: , , , , ,
NAICS sector 33 manufacturers: , , , , ,
Certified development companies: , , , , ,
U.S.-based production facilities: , , , , ,
Workers at expanding domestic plants: , , , , ,
Equipment suppliers to small factories: , , , , ,
Small manufacturers seeking export financing: , , , , ,
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
Model: codex-gpt-5 | Version: bill_summary_v2 | Source: rh
Federal taxpayers: , , , , ,
SBA loan officers: , , , , ,
SBA risk-management staff: , , , , ,
Participating 7(a) lenders: , , , , ,
Small Business Administration: , , , , ,
Certified development companies: , , , , ,
Businesses with overseas production facilities: , , , , ,
Applicants outside manufacturing sectors 31 through 33: , , , , ,

Legislative Progress

Passed House
Introduced Committee Passed
May 13, 2026

Committee on Small Business and Entrepreneurship. Hearings held.

Dec 4, 2025

Read twice. Placed on Senate Legislative Calendar under General Orders. …

Dec 4, 2025

Senate vitiated previous action of 12/02/2025 by Unanimous Consent.

Dec 2, 2025

Received in the Senate and Read twice and referred to …

Dec 2, 2025

Received; read twice and referred to the Committee on Finance

Dec 2, 2025 (inferred)

Passed House (inferred from eh version)

Dec 1, 2025

Considered under suspension of the rules. (consideration: CR H4912-4913)

Dec 1, 2025

Passed/agreed to in House: On motion to suspend the rules …

Dec 1, 2025

On motion to suspend the rules and pass the bill, …

Dec 1, 2025

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.

Manufacturing
25 mentions across 10 clauses
-3 negative ?22 uncertain

Businesses with overseas production facilities, Domestic small manufacturers, NAICS sector 31 manufacturers

Government
10 mentions across 10 clauses
-10 negative

SBA loan officers, SBA risk-management staff, Small Business Administration

Financial Services
7 mentions across 7 clauses
-7 negative

Certified development companies, SBA 7(a) lenders

General Public
4 mentions across 4 clauses
-4 negative

Taxpayers

4/4
sections analyzed
Full impact breakdown

Bill Structure & Actor Mappings

Who is "The Secretary" in each section?

Domains
Small Business Manufacturing Finance
Actor Mappings
"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