Made in America Manufacturing Finance Act

Roger Williams

Republican · TX · Representative

Source: Congress.gov · FEC

• Daniel Meuser (R-PA-9)· 2025-05-13
• Nathaniel Moran (R-TX-1)· 2025-05-13
• Craig A. Goldman (R-TX-12)· 2025-06-05
• Tony Wied (R-WI-8)· 2025-07-17
• Troy Downing (R-MT-2)· 2025-07-17
• Beth Van Duyne (R-TX-24)· 2025-07-21
• Brad Finstad (R-MN-1)· 2025-07-21
• Brian Jack (R-GA-3)· 2025-07-21
• Jake Ellzey (R-TX-6)· 2025-07-21
• Kimberlyn King-Hinds (R-MP)· 2025-07-21
• Nick LaLota (R-NY-1)· 2025-07-21
• Derek Schmidt (R-KS-2)· 2025-07-22

Committee on Small Business and Entrepreneurship. Hearings held.

2026-05-13

Source: Congress.gov

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.

Plain-English rewrite of the Congressional Research Service summary published on Congress.gov. Cached and reviewed.

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 3174 Engrossed in House (EH)] <DOC> 119th CONGRESS 1st Session H. R. 3174 _______________________________________________________________________ AN ACT To increase loan limits for loans made to small manufacturers, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Made in America Manufacturing Finance Act''. SEC. 2. DEFINITIONS. Section 3 of the Small Business Act (15 U.S.C. 632) is amended by adding at the end the following: ``(gg) Small Manufacturer.--The term `small manufacturer' means a small business concern-- ``(1) the primary business of which is classified in sector 31, 32, or 33 of the North American Industrial Classification System; and ``(2) all of the production facilities of which are located in the United States.''. SEC. 3. SMALL BUSINESS ACT LOAN LIMITS FOR SMALL MANUFACTURERS. Section 7(a) of the Small Business Act (15 U.S.C. 636(a)) is amended-- (1) in paragraph (3)-- (A) in subparagraph (A)-- (i) by inserting ``except as provided in subparagraph (B),'' before ``if the total''; (ii) by striking ``would exceed $3,750,000'' and inserting the following: ``would exceed-- ``(i) $3,750,000''; (iii) in clause (i), as so designated, by striking ``, except as provided in subparagraph (B);'' and inserting ``; or''; and (iv) by adding at the end the following: ``(ii) in the case of a borrower that is a small manufacturer, $7,500,000 (or if the gross loan amount would exceed $10,000,000);''; and (B) in subparagraph (B)-- (i) by striking ``would exceed $4,500,000'' and inserting the following: ``would exceed-- ``(i) $4,500,000''; (ii) in clause (i), as so designated, by striking ``section 7(a)(14) for export purposes; and'' and inserting ``paragraph (14) for export purposes; or''; and (iii) by adding at the end the following: ``(ii) in the case of a borrower that is a small manufacturer, $9,000,000 (or if the gross loan amount would exceed $10,000,000), of which not more than $8,000,000 may be used for working capital, supplies, or financings under paragraph (14) for export purposes; and''; and (2) in paragraph (14)(B)(i), by striking ``than $5,000,000.'' and inserting the following: ``than-- ``(I) except as provided in subclause (II), $5,000,000; or ``(II) in the case of a loan made to a small manufacturer, $10,000,000.''. SEC. 4. SMALL BUSINESS INVESTMENT ACT OF 1958 LOAN LIMITS FOR SMALL MANUFACTURERS. Section 502(2)(A)(iii) of the Small Business Investment Act of 1958 (15 U.S.C. 696(2)(A)(iii)) is amended by striking ``$5,500,000'' and inserting ``$10,000,000''. Passed the House of Representatives December 1, 2025. Attest: Clerk. 119th CONGRESS 1st Session H. R. 3174 _______________________________________________________________________ AN ACT To increase loan limits for loans made to small manufacturers, and for other purposes.

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