SBA Loan Limits Poised to Double for Manufacturers Under New Congressional Proposal

A bipartisan legislative proposal introduced in May 2025 seeks to double the maximum loan amounts available to small manufacturers under the U.S. Small Business Administration (SBA) 7(a) and 504 programs—from $5 million to $10 million. The “Made in America Manufacturing Finance Act,” co-sponsored by Senator Joni Ernst (R-IA), Representative Roger Williams (R-TX), and Senator Chris Coons (D-DE), aims to bolster domestic manufacturing by providing increased access to capital for small manufacturers .GlobeNewswire+8Forbes+8colemanreport.com+8

Key Highlights of the Proposal

• Loan Cap Increase: The bill proposes raising the individual loan limits for SBA 7(a) and 504 programs specifically for small manufacturers from $5 million to $10 million.
• Targeted Support: The increased loan caps are designed to assist small manufacturers in investing in new equipment, expanding facilities, and hiring additional employees, thereby strengthening the domestic manufacturing sector .sbc.senate.gov
• Economic Impact: SBA Administrator Kelly Loeffler highlighted that SBA 7(a) loan approvals for small manufacturers have surged by 74% in the first 100 days of the current administration, indicating a strong demand for capital in this sector .sbc.senate.gov+7socrates | CRA Learning Center | findCRA+7GlobeNewswire+7
• Broader Goals: The legislation aligns with the administration’s “Made in America” initiative, aiming to restore American industry, rebuild supply chains, and promote economic independence .EIN Presswire+5SBA+5socrates | CRA Learning Center | findCRA+5

Industry and Legislative Support

The proposal has garnered support from various industry groups and lawmakers who view the increased loan limits as a necessary step to empower small manufacturers and stimulate economic growth. Proponents argue that the current $5 million cap, unchanged since 2010, does not reflect the rising costs associated with manufacturing operations and that the proposed increase would provide small manufacturers with the resources needed to remain competitive .

Next Steps

The “Made in America Manufacturing Finance Act” has been introduced in Congress and referred to the Senate Committee on Small Business and Entrepreneurship for further consideration . If enacted, the legislation would mark a significant enhancement of the SBA’s support for small manufacturers, potentially leading to increased domestic production and job creation.Congress.gov+10sbc.senate.gov+10colemanreport.com+10

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