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House Bill 3174
119th Congress(2025-2026)
Made in America Manufacturing Finance Act
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Passed House on Dec 1, 2025
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H. R. 3174 (Referred-in-Senate)


119th CONGRESS
1st Session
H. R. 3174


IN THE SENATE OF THE UNITED STATES

December 2, 2025

Received; read twice and referred to the Committee on Finance


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:kevin f. mccumber,   
    Clerk.