Made in America Manufacturing Financing Nationwide, SBA 90% Guarantee and Conventional to $100M
🇺🇸 Financing Built for American ManufacturersI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Made in America manufacturing financing is having its moment, and the money is real. The SBA’s new Made in America Loan Guarantee backs covered manufacturing loans at 90%, with manufacturing fee waivers in effect for Fiscal Year 2026, up to $5 million. That is a genuine opportunity for reshoring, equipment and facility modernization. But here’s the honest part: a serious onshoring move, a new plant or a major line, often runs bigger than SBA can handle, and that’s where my conventional commercial real estate financing up to $100 million* comes in, fast and without government strings. SBA when it fits, conventional when it’s bigger. I match you to the right one.
Made in America Manufacturing Financing for Every Reshoring Move
Whether you’re reshoring a line, modernizing a plant, diversifying your supply chain, or building new, there’s a path built for it… and you get to choose SBA or conventional. Here’s what made in america manufacturing financing commonly covers.
SBA Made in America Guarantee
The new 90% SBA guarantee on covered manufacturing loans up to $5M, with Fiscal Year 2026 manufacturing fee waivers, for equipment, modernization and expansion.
Reshoring and Onshoring
Bring production back to U.S. soil, finance the equipment, the facility and the supply-chain buildout that an onshoring move requires.
Conventional to $100M* (Bigger Deals)
When the reshoring move is bigger than SBA can fund, conventional commercial real estate financing up to $100 million, fast and without government strings.
Equipment and Modernization
Finance new machines and automation to expand domestic capacity, with the equipment as collateral and bonus depreciation in play.
Supply Chain Diversification
Stock up on domestic inventory, add a second source, or buy a supplier, working capital and acquisition financing for a resilient supply chain.
SBA 504 and Owner-Occupied
For owner-occupied plants, the SBA 504 route with FY2026 fee waivers, long-term fixed rates if you want the government-backed path.
A Manufacturer Reshored a Production Line, SBA for the Equipment, Conventional for the Plant
A manufacturer wanted to bring a production line back from overseas to win a domestic contract. The equipment fit the SBA Made in America guarantee, but the larger plant it needed to house the line ran well past the $5 million SBA cap. The bank treated it as one all-or-nothing SBA deal and stalled.
They called me. I split the deal the smart way: the SBA Made in America guarantee for the equipment where the 90% backing and fee waivers helped, and conventional commercial real estate financing for the plant, fast and without the SBA cap or paperwork. The line came home, the contract was won, and each piece sat on the financing that fit it best.
That’s what the right reshoring match looks like. Don’t Beg the Bank! Get funded instead.
Made in America Manufacturing Financing, the Right Tool for Each Need
Made in america manufacturing financing isn’t one product, and the smartest reshoring deals often combine SBA and conventional. The right structure depends on the size and pieces of your move. I match you to the one that fits, tap any to explore it.
SBA 7(a) and Made in America
The new 90% Made in America guarantee for equipment, modernization and expansion up to $5M, with FY2026 fee waivers.
See SBA 7(a)Conventional Real Estate
For plants bigger than the SBA cap, conventional financing up to $100 million* without government strings.
See commercial real estateSBA 504 and Real Estate
Own the plant your production runs in with long-term, fixed-rate commercial real estate financing.
See SBA 504Equipment Financing
Finance the machines to expand domestic capacity, with the equipment as collateral.
See equipment financingWorking Capital
Stock domestic inventory and fund the supply-chain buildout a reshoring move needs.
See working capitalLine of Credit
Revolving capital for inventory and supply-chain swings, draw only what you need.
See lines of creditQualifying for Made in America Manufacturing Financing
Made in america manufacturing financing has two doors. The SBA Made in America guarantee is open to manufacturers in NAICS sectors 31 to 33, which covers almost every kind of producer, and the 90% backing makes lenders more willing to approve. For bigger moves, conventional lenders underwrite the property and the deal. So a manufacturer reshoring or expanding domestic capacity has strong options on either track. I qualify deals honestly.
✅ What helps you qualify
- ✔A manufacturing business (NAICS 31-33) and a reshoring, equipment or facility plan.
- ✔A manufacturing business and a reshoring plan, the foundation a lender wants.
- ✔A manufacturing business in NAICS 31-33 and a deal a lender can verify.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →The SBA Made in America 90% guarantee makes lenders more willing to approve up to $5M.
- →Bigger than $5M? Conventional financing up to $100 million* takes over, no SBA cap.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; the deal and your credit matter more.
Get Your Made in America Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your made in america financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Made in America Manufacturing Financing From My Desk
A snapshot of the made in america manufacturing financing I match to lenders nationwide, move by move. Every reshoring move is different, yours starts with a conversation.
Made in America Manufacturing Financing · Reshoring
A manufacturer split a reshoring deal, SBA Made in America for the equipment, conventional for the larger plant.
SBA 90% Guarantee
A producer used the SBA Made in America guarantee with FY2026 fee waivers to modernize a plant under $5M.
Conventional Onshoring
A manufacturer used conventional real estate financing to buy a large facility for an onshoring move beyond the SBA cap.
How I Match Made in America Manufacturing Financing to the Right Lender
Reshoring is a real wave, and the financing splits into two tracks that most owners are never shown together. I work with both SBA lenders and conventional real estate and equipment lenders, so I match your made in america manufacturing financing to the right one, or split a deal across both, and I review the options with you before you commit.
Here’s the reality for an American manufacturer in 2026. The federal push behind domestic production is genuine. The SBA’s new Made in America Loan Guarantee raises the federal backing on covered manufacturing loans to 90%, up from the standard 75%, and manufacturing fee waivers are in effect for Fiscal Year 2026, with loans up to $5 million for equipment, facility modernization, supply-chain diversification, inventory and acquisitions. For a smaller reshoring or modernization move, that is a strong, low-cost option, and I will match you to an SBA lender for it. But here is what most broker sites will not tell you: a serious onshoring move, a new plant or a major production line, frequently runs well past the $5 million SBA ceiling. That is exactly where conventional, private commercial real estate financing up to $100 million* comes in, underwritten on the property and the deal, closing fast and with no government cap or paperwork. The smartest reshoring deals often use both, SBA for the piece it fits and conventional for the rest. According to the U.S. Small Business Administration, its 7(a) program is designed for equipment, expansion and acquisition financing of exactly this kind.
The right structure depends on what you’re doing. Smaller moves can run through the SBA SBA 7(a) loan, and broader options live across the SBA loan programs. The equipment and smaller modernization pieces are best matched to SBA 7(a) Made in America financing or equipment financing, while the plant and bigger moves run through conventional commercial real estate or construction and development financing up to $100 million*. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. A bigger plant points to conventional facility and real estate financing, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me what your reshoring or expansion move looks like and how big it is, and I’ll tell you honestly whether SBA Made in America, conventional financing, or a combination of both fits best, match you to the lender most likely to fund it, and stay with you through closing. For the full picture, see my manufacturing business loans hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is made in america manufacturing financing?
What is the SBA Made in America Loan Guarantee?
What if my reshoring move is bigger than the $5M SBA cap?
Do the SBA manufacturing fee waivers really save money?
Should I use SBA or conventional financing for reshoring?
What does it cost to work with you?
A Broker Who Knows Both SBA and Conventional Reshoring Money
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Made in america manufacturing financing splits between the SBA Made in America programs and the conventional lenders who fund the bigger plants, and knowing how to use each, or combine them, is exactly what I do. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll force a big reshoring deal into a small SBA box. I match you to made in america manufacturing financing built for the reshoring wave … the SBA 90% Made in America guarantee where it fits, conventional real estate up to $100 million* where the deal is bigger, and a same-day callback from a broker who reviews every deal himself.
Made in America manufacturing financing combines SBA and conventional options. SBA Made in America, 504 and 7(a) loans are capped at $5 million and are separate government-backed programs with their own eligibility, terms and timelines set by the SBA; the 90% Made in America guarantee and the Fiscal Year 2026 manufacturing fee waivers are SBA programs in effect for FY2026 and subject to change by the SBA. Conventional commercial real estate, development and construction financing is available up to $100 million on qualified transactions. *90% leverage applies only to qualified commercial real estate, development and construction transactions generally between $5 million and $100 million (loan-to-value on stabilized properties; a blended loan-to-value and loan-to-cost on ground-up construction); large-deal terms generally run 12 to 60 months with closings typically in 15 to 30 days, and stabilized permanent financing runs 5 to 30 years. All figures are illustrative and not a commitment to lend; actual rates, leverage, terms and timing vary by lender, creditworthiness, property, collateral and structure. Tax treatment including bonus depreciation depends on your situation and current law; consult your tax advisor. No upfront fees refers to fees payable to 75BizLoans.com; I am paid by the lender at closing. Some partner lenders may require a commitment deposit when you accept their term sheet.