Sponsors (13)
The bill concentrates new, clearer support and larger financing options on fully U.S.-based small manufacturers to strengthen domestic supply chains, but it narrows eligibility, raises taxpayer/SBA financial risk, and creates administrative and legal uncertainty that could delay or limit benefits for some firms.
Small manufacturers with all production facilities in the U.S. gain stronger domestic supply-chain support and potential onshore job growth because the bill requires production facilities to be U.S.-located.
Small manufacturers gain access to substantially larger SBA lending (higher 7(a) and export loan caps and expanded working-capital/supply financing), increasing available capital for expansion, equipment, exports, and inventory management.
Small domestic manufacturers are given a clearer statutory category and clarified NAICS-sector eligibility, reducing applicant uncertainty and improving access to targeted SBA programs and contracting preferences.
Taxpayers and the SBA face greater financial exposure because higher guaranteed loan caps and expanded lending authority increase contingent liabilities and potential default costs absent new appropriations or safeguards.
Firms, the SBA, and state governments could face significant administrative, verification, and legal burdens — including delays or litigation — from enforcing the 'all facilities located in the United States' rule and from malformed statutory text that creates uncertainty about loan limits.
Small manufacturers that operate any production facilities abroad are excluded from the new category, reducing their access to SBA benefits and potentially disadvantaging hybrid or multinational small firms.
Based on analysis of 4 sections of legislative text.
Raises how large SBA 7(a) loans and certain export-related 7(a) loans can be for qualifying "small manufacturers"—small businesses in NAICS sectors 31–33 with production facilities wholly in the United States—by doubling several statutory loan caps and creating a higher exception for export loans. The bill also adds a formal definition of "small manufacturer" to the Small Business Act and includes a malformed amendment to the Small Business Investment Act that appears to be a drafting error, leaving one loan-limit change unclear.
Introduced May 1, 2025 by Roger Williams · Last progress December 2, 2025