SBA loan limit for small manufacturers doubled from $5M to $10M

lender profile

December 02, 2025

by a lender from Cornell University - SC Johnson College of Business in Los Angeles, CA, USA

Congress just passed the Made in America Manufacturing Finance Act, and it creates a major new opportunity for anyone acquiring or expanding a U.S. manufacturing business. It still needs Senate approval, but most expect it to move forward. What qualifies: A business counts as a small manufacturer if its primary activity falls under NAICS codes 31, 32, or 33. This covers machining, fabrication, food production, plastics, printing, chemicals, assembly, metalworking, and similar production operations. All manufacturing must take place in the United States. What changed: The SBA-guaranteed loan cap for eligible small manufacturers has doubled from $5M to $10M across both the 7(a) and 504 programs. This makes many larger, capital-intensive manufacturing deals newly financeable through SBA. If you want help evaluating whether a target qualifies, feel free to reach out. We have a lot experience financing manufacturing companies via the SBA. If you ever need help talking through a deal, I am happy to help. We work with all the major SBA lenders. The bank pay us after your loan closes, so this is a 100% free service for you.You can email me directly at redacted or schedule a meeting with me: https://cal.com/francodeguzman/30min. Look forward to chatting!
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Reply by a searcher
from New York University in New York, NY, USA
This is a meaningful shift — doubling the SBA cap opens the door for more capital-intensive manufacturing deals that previously didn’t pencil under SBA leverage constraints. Definitely worth revisiting targets in NAICS 31–33 with stronger equipment bases. Appreciate the heads up!
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Reply by a searcher
from University of Pennsylvania in Philadelphia, PA, USA
Thanks for the post. I'll be interested to see it pass through the senate, seems like it could be a huge help.
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