IIB 
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 Representa-
tives of the United States of America in Congress assembled, 
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SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Made in America Man-
ufacturing 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 In-
dustrial 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’’; 
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(iii) in clause (i), as so designated, by 
striking ‘‘, except as provided in subpara-
graph (B);’’ and inserting ‘‘; or’’; and 
(iv) by adding at the end the fol-
lowing: 
‘‘(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 pur-
poses; and’’ and inserting ‘‘paragraph (14) 
for export purposes; or’’; and 
(iii) by adding at the end the fol-
lowing: 
‘‘(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 cap-
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ital, supplies, or financings under para-
graph (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 sub-
clause (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 Invest-
ment 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. 
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