H.R. 3174: Made in America Manufacturing Finance Act of 2025

This bill, titled the Made in America Manufacturing Finance Act of 2025, aims to amend existing laws to increase the loan limits available to small manufacturers in the United States. Here are the key components of the bill:

Definitions

The bill defines "small manufacturer" to mean a small business whose primary operations fall within specific manufacturing sectors (sectors 31, 32, or 33 of the North American Industrial Classification System) and that conducts all its manufacturing activities in the United States.

Increased Loan Limits

The bill proposes amendments to the Small Business Act and the Small Business Investment Act of 1958 to increase the loan limits specifically for small manufacturers:

• Under the Small Business Act:
  • For small manufacturers, the loan limit is increased to $7,500,000 (with an option for loans exceeding $10,000,000).
  • For specific loan types, the limit is increased to $9,000,000, allowing up to $8,000,000 to be used for working capital, supplies, or export purposes.
  • Additionally, for certain scenarios, the loan limits may now reach $10,000,000 for small manufacturers.
• Under the Small Business Investment Act of 1958:
  • The loan limit is increased from $5,500,000 to $10,000,000 for small manufacturers.

Overall Purpose

The overall purpose of the bill is to provide greater financial support to small manufacturing businesses within the United States, enabling them to potentially expand operations, invest in equipment, and enhance productivity. By increasing loan limits, the bill aims to strengthen the manufacturing sector in the U.S., aligning with an emphasis on domestic production.

Relevant Companies

None found