Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Made in America Manu-
facturing 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 man-
ufacturer’ means a small business concern— 
‘‘(1) the primary business of which is classified 
in sector 31, 32, or 33 of the North American Indus-
trial 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’’; 
VerDate Sep 11 2014 
21:25 Aug 15, 2025
Jkt 059200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6203
E:\BILLS\H3174.RH
H3174
kjohnson on DSK7ZCZBW3PROD with $$_JOB
(ii) 
by 
striking 
‘‘would 
exceed 
$3,750,000’’ and inserting the following: 
‘‘would exceed— 
‘‘(i) $3,750,000’’; 
(iii) in clause (i), as so designated, by 
striking ‘‘, except as provided in subpara-
graph (B);’’ and inserting ‘‘; or’’; and 
(iv) by adding at the end the following: 
‘‘(ii) in the case of a borrower that is 
a small manufacturer, $7,500,000 (or if the 
gross 
loan 
amount 
would 
exceed 
$10,000,000);’’; and 
(B) in subparagraph (B)— 
(i) 
by 
striking 
‘‘would 
exceed 
$4,500,000’’ and inserting the following: 
‘‘would exceed— 
‘‘(i) $4,500,000’’; 
(ii) in clause (i), as so designated, by 
striking ‘‘section 7(a)(14) for export pur-
poses; and’’ and inserting ‘‘paragraph (14) 
for export purposes; or’’; and 
(iii) by adding at the end the fol-
lowing: 
‘‘(ii) in the case of a borrower that is 
a small manufacturer, $9,000,000 (or if the 
VerDate Sep 11 2014 
21:25 Aug 15, 2025
Jkt 059200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6203
E:\BILLS\H3174.RH
H3174
kjohnson on DSK7ZCZBW3PROD with $$_JOB
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 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’’. 
VerDate Sep 11 2014 
21:25 Aug 15, 2025
Jkt 059200
PO 00000
Frm 00005
Fmt 6652
Sfmt 6203
E:\BILLS\H3174.RH
H3174
kjohnson on DSK7ZCZBW3PROD with $$_JOB
Union Calendar No. 182 
119TH CONGRESS 
1ST SESSION 
H. R. 3174 
[Report No. 119–224] 
A BILL 
To increase loan limits for loans made to small 
manufacturers, and for other purposes. 
AUGUST 15, 2025 
Reported with an amendment, committed to the Com-
mittee of the Whole House on the State of the Union, 
and ordered to be printed 
VerDate Sep 11 2014 
21:25 Aug 15, 2025
Jkt 059200
PO 00000
Frm 00006
Fmt 6651
Sfmt 6651
E:\BILLS\H3174.RH
H3174
kjohnson on DSK7ZCZBW3PROD with $$_JOB