SBA Made in America Loans Nationwide for Small Manufacturers
π 90% Guarantee for U.S. ManufacturersI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. The SBA’s new Made in America Loan Guarantee backs 90% of a small manufacturer’s loan, up from the standard 75%. That higher guarantee makes lenders far more willing to fund American manufacturers, which is what SBA Made in America loans are built to do. If you’re in NAICS sectors 31 to 33, I match you to a lender ready to put this to work for you.
SBA Made in America Loans Back 90 Percent, Not 75
Here is the straight version. SBA Made in America loans are not a separate loan, they are a stronger SBA guarantee layered onto the 7(a) and 504 programs for small manufacturers. The SBA backs 90% of the loan instead of the standard 75%. More backing means a lender takes less risk, and that is exactly why SBA Made in America loans turn a manufacturer who struggled to get a yes into a funded deal.
Per the SBA, beginning May 1, 2026, manufacturers in NAICS sectors 31 to 33 are eligible for a 90% SBA guarantee, compared with the standard 75% typically offered on the flagship 7(a) program. The guarantee applies to qualifying 7(a) and 504 financing.
FY2026 manufacturer fee waivers expire September 30, 2026
Per the SBA, through September 30, 2026, the upfront fee is 0% on 7(a) manufacturing loans up to $950,000, and both the upfront fee and annual service fee are 0% on all 504 manufacturing loans. After the fiscal year closes, those waivers may not return. If you’re a manufacturer thinking about financing, this is the window. Call me and let’s move.
Machine Shop Got Funded After the 90% Guarantee Changed the Lender’s Answer
A precision machine shop needed capital to buy equipment and take on bigger contracts. On a standard 75% guarantee, the lender hesitated, the deal sat on the edge of a no.
The owner called me. As a manufacturer in NAICS 31 to 33, the shop qualified for the Made in America Loan Guarantee at 90%. With the SBA backing nine of every ten dollars, the lender’s hesitation vanished and the deal closed. Same business, same numbers, different guarantee, different answer.
That is the difference between a maybe and a funded machine shop. Don’t Beg the Bank! Get funded instead.
What SBA Made in America Loans Actually Pay For
Because SBA Made in America loans ride on the 7(a) and 504 programs, you can fund the full range those programs allow, now with 90% SBA backing. For a manufacturer, that means the equipment, the facility and the working capital to expand production at home.
SBA Made in America Loans for Equipment
Buy the CNC machines, production lines and heavy equipment to expand capacity and take on more work.
Buy or Build a Facility
Through a 504, purchase or build the owner-occupied plant or warehouse your operation runs in.
Working Capital
Through a 7(a), fund the operating cash, payroll and ramp-up costs that growth demands.
Raw Materials and Inventory
Stock the raw materials and inventory to fulfill larger orders and longer production runs.
Modernize and Reshore
Upgrade aging equipment, modernize the line, or bring production back to U.S. soil.
Expand and Hire
Fund the expansion that lets you hire more American workers and compete on a bigger stage.
SBA Made in America Loans Are Part of a Bigger Manufacturer Push
The 90% guarantee behind SBA Made in America loans is the headline, but it sits inside a coordinated SBA effort to back American manufacturers. Here is the full toolkit I can match you to.
| Tool | What It Does | For Manufacturers |
|---|---|---|
| 90% Made in America Guarantee | Raises SBA backing from 75% to 90% | On qualifying 7(a) and 504 loans |
| FY2026 Fee Waivers | 0% upfront on 7(a) up to $950K; 0% on 504 | Through Sept 30, 2026 |
| MARC Revolving Line | Manufacturer revolving line or term loan | Up to $5 million |
| 504 for Real Estate | Fixed-rate building and heavy equipment | SBA 504 loans |
| 7(a) for Flexibility | Working capital, acquisition, mixed use | SBA 7(a) loans |
Swipe to see all columns β
Per the SBA, the Made in America Loan Guarantee provides a 90% SBA guarantee for small manufacturers in NAICS sectors 31 to 33, beginning May 1, 2026, on qualifying 7(a) and 504 financing. The FY2026 manufacturer fee waivers (0% upfront fee on 7(a) manufacturing loans up to $950,000; 0% upfront and annual service fee on all 504 manufacturing loans) are effective October 1, 2025 through September 30, 2026. MARC, the Manufacturer’s Access to Revolving Credit program, provides revolving lines and term loans up to $5 million for qualifying manufacturers. Separately, an SBA rule effective July 4, 2026 allows a qualified borrower to combine a 7(a) and a 504 loan for up to $10 million in SBA-backed financing. Final eligibility, rate, term and structure are set by the SBA and the lender. This is not a commitment to lend.
I Match Manufacturers to Lenders Using This.
SBA Made in America loans only help if your lender actually offers the 90% guarantee and structures the deal right. I find that lender and line up the right program for your project.
Quick Pre-Qual
I confirm your NAICS code and what you’re funding, then map it to the right program and guarantee.
I Match Your Lender
I send you to a lender offering the Made in America guarantee and the right 7(a), 504 or MARC structure.
You Apply Through Them
You work directly with the lender, who underwrites and closes the 90%-backed financing.
Fund and Build
You put the capital to work, expand production at home, and hire more American workers.
Who SBA Made in America Loans Are, and Are NOT, For
SBA Made in America loans are for manufacturers, specifically. I qualify deals honestly so neither of us wastes time. If you’re on the left, call me today.
β This IS for you ifβ¦
- βYou’re a small manufacturer in NAICS sectors 31 to 33.
- βYou need equipment, a facility, materials or working capital.
- βYou want the strongest SBA backing available to make a yes easier.
- βYou want to act before the FY2026 fee waivers expire.
- βYou’re expanding, modernizing or reshoring production.
π« This is NOT for you ifβ¦
- βYour business isn’t a manufacturer in NAICS 31 to 33.
- βYou’re a retailer, service business or passive investor.
- βYou can’t meet standard SBA 7(a) or 504 eligibility.
- βYou’re buying passive investment real estate.
- βYou won’t sign a personal guarantee.
Pre-Qualify for an SBA Made in America Loan
Sixty-second SBA Made in America loans pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your SBA Made in America loans pre-qualification 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 SBA Made in America Loans From My Desk
A snapshot of the SBA Made in America loans I match to lenders for manufacturers. Every shop is different, yours starts with a conversation.
$1.4M Β· Precision Machine Shop
Equipment and working capital, funded on a 90%-backed 7(a) after a standard guarantee stalled.
$3.2M Β· Food Manufacturer Facility
504 purchase of an owner-occupied plant, with FY2026 manufacturer fee savings.
$800K Β· Metal Fabricator MARC Line
Manufacturer revolving line for raw materials and production costs on growing contracts.
How I Match SBA Made in America Loans to the Lenders Who Fund Manufacturers
SBA Made in America loans are only as good as the lender who offers the 90% guarantee. Not every SBA lender is set up for the Made in America guarantee or comfortable with manufacturing deals. I match you to one that is, and structure the right program around your project. That is the whole point of working with me.
Here is what to understand about SBA Made in America loans. The program, officially the Made in America Loan Guarantee, is not a new loan type. It is a stronger guarantee layered onto the existing 7(a) and 504 programs for small manufacturers in NAICS sectors 31 to 33. Per the SBA, beginning May 1, 2026, those manufacturers are eligible for a 90% SBA guarantee instead of the standard 75%. That sounds technical, but the effect is simple and powerful: when the SBA backs nine of every ten dollars, a lender’s risk drops, and deals that were borderline at 75% become a clear yes at 90%.
The guarantee is the centerpiece of a broader push, and the timing matters. Per the SBA, through September 30, 2026, the upfront fee is 0% on 7(a) manufacturing loans up to $950,000, and both the upfront and annual service fees are 0% on all 504 manufacturing loans. That is real money saved, but only inside the fiscal-year window. Alongside it sits MARC, the Manufacturer’s Access to Revolving Credit program, the SBA’s first lending product built specifically for manufacturers, offering revolving lines and term loans up to $5 million for working capital, raw materials, inventory and production costs. And separately, an SBA rule effective July 4, 2026 lets a qualified borrower combine a 7(a) and a 504 for up to $10 million in SBA-backed financing.
So tell me what you make and what you need. SBA Made in America loans fit several paths. Buying equipment or a plant? An SBA Made in America loan on a 504 or 7(a). Need a revolving line for materials and production? Ask me about MARC, or compare a business line of credit. Building or expanding a facility? See SBA 504 loans or construction and development loans. Need working capital or flexibility? A full SBA 7(a) loan, working capital loans or equipment financing. Need industrial space? See warehouse and industrial loans. Want the full menu? See all my SBA loans or browse every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Straight Answers Before You Apply
What are SBA Made in America loans?
Who qualifies for the Made in America Loan Guarantee?
What are the FY2026 manufacturer fee waivers?
What is the difference between Made in America and MARC?
How much can a manufacturer borrow?
What does it cost to work with you?
A Manufacturing Loan Advisor Who Knows the 90% Lenders
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a banker. The Made in America guarantee is powerful, but only if your lender offers it and structures the deal right. I match your SBA Made in America loans application to a lender ready to use the 90% guarantee and the right program, and stay with you through it. For the official program details, see the SBA’s 7(a) loan program page and the SBA’s Putting American manufacturers first priority page.
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm. Now the SBA backs 90% of a small manufacturer’s loan, and I match you to a lender ready to use it. SBA Made in America loans give you a stronger guarantee, FY2026 fee waivers before they expire, and a same-day callback from a broker who knows which lenders fund makers.
Loan amounts, guarantees, rates, terms and fee waivers shown reflect SBA program parameters and typical lender practice, not guarantees. Per the SBA, the Made in America Loan Guarantee provides a 90% SBA guarantee for small manufacturers in NAICS sectors 31 to 33, beginning May 1, 2026, compared with the standard 75% on the flagship 7(a) program; it applies to qualifying 7(a) and 504 financing and is not a separate loan vehicle. The FY2026 manufacturer fee waivers (0% upfront fee on 7(a) manufacturing loans up to $950,000; 0% upfront fee and 0% annual service fee on all 504 manufacturing loans) are effective October 1, 2025 through September 30, 2026, and may not continue after the fiscal year closes. MARC, the Manufacturer’s Access to Revolving Credit program, provides revolving lines and term loans up to $5 million for qualifying manufacturers and is a separate program. An SBA rule effective July 4, 2026 allows a qualified borrower to combine a 7(a) and a 504 loan for up to $10 million in SBA-backed financing; availability depends on SBA eligibility and lender underwriting. Standard SBA 7(a) and 504 eligibility applies, and a personal guarantee is generally required. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing, which is separate from the SBA’s own fees and any fee waiver. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the SBA and the lender. This is not a commitment to lend.