SBA Made in America Loan Guarantee Program
U.S. Small Business Administration
Up to $5,000,000
Researched for this program: 5 rejection traps · 7 required documentsWhat decides this award ↓
90% SBA guarantee for U.S. small manufacturers
Launched May 1, 2026, the SBA Made in America Loan Guarantee provides small manufacturers (NAICS 31–33) access to SBA-guaranteed loans up to $5 million with a 90% federal guarantee — well above the standard 7(a) rate of 75%. For FY2027 (from October 1, 2026), the upfront guaranty fee is 0% on 7(a) loans of $700,000 or less to manufacturers. Covers equipment upgrades, facility expansion, supply chain diversification, and working capital for U.S. manufacturers.
- Funding type
- Loan
- Level
- Federal
- Amount range
- $1,000 – $5,000,000
- Realistic amount
- Most qualifying small manufacturers will access $250,000–$2,500,000 based on equipment and facility financing needs. The 90% guarantee makes lenders more willing to approve larger amounts to manufacturers who otherwise couldn't access bank credit.
- Deadline
- Available year-round through SBA lenders; the FY2026 manufacturer loan-fee waiver covered Fiscal Year 2026, which ended September 30, 2026.
- Status
- active
- States
- Nationwide
- Payment model
- loan
Who qualifies
- Business must operate primarily in manufacturing — primary NAICS code must fall within sectors 31 (food, textile, leather), 32 (wood, paper, chemicals, plastics), or 33 (metals, machinery, computers, electronics, transportation, furniture)
- Must qualify as a small business under SBA size standards for the specific manufacturing NAICS code (varies by subsector — typically based on employee count from 500 to 1,500)
- Business must be U.S.-based, operate for profit, and demonstrate ability to repay from business cash flow
- Must apply through an SBA-approved lender (bank, credit union, CDFI, or non-bank lender) — not directly to SBA
- Owner(s) must demonstrate good character and creditworthiness; personal credit review required
- No federal debt delinquencies for owners or the business
Hard requirements
- Must be incorporated
- Restricted to specific NAICS codes: 31, 32, 33
What it covers
Eligible expenses
- Equipment and machinery upgrades or replacement for U.S. manufacturing operations
- Facility modernization, expansion, or construction for manufacturing
- Supply chain diversification — sourcing from domestic or allied-nation suppliers
- Working capital to support manufacturing operations and inventory
- Strategic acquisitions of manufacturing businesses or assets
- Reshoring initiatives — establishing or expanding U.S. production of previously offshore goods
- Real estate purchases for owner-occupied manufacturing facilities
Ineligible expenses
- Non-manufacturing business activities (if primary NAICS is not 31–33)
- Personal expenses or passive investment activities
- Lending or financial businesses
- Repayment of existing debt (unless structuring as a refinance under eligible program rules)
- Businesses involved in gambling, political activities, or illegal activities
How to apply
-
1
Confirm NAICS code falls in sectors 31–33
Verify your primary NAICS code is a manufacturing code (31–33). If you have a mixed business, your primary activity must be manufacturing. Use SBA's NAICS lookup tool or confirm with your accountant or bank.
-
2
Find an SBA-approved lender familiar with Made in America
Contact your existing bank, an SBA Preferred Lender, or an SBA Finance Manager. Mention the Made in America Loan Guarantee specifically — lenders need to designate the loan under this program to receive the 90% guarantee. SBA district offices can provide referrals.
-
3
Gather financial documentation and project plan
Prepare: 3 years of business tax returns, YTD P&L and balance sheet, business debt schedule, personal financial statements for 20%+ owners, and documentation of the manufacturing project (equipment quotes, facility expansion plans, supply chain diversification strategy).
-
4
Submit loan application through the lender
The lender handles the SBA guarantee application — no direct SBA submission required. The lender submits to SBA for guarantee. Standard 7(a) processing takes 2–5 business days for Preferred Lenders; longer for non-preferred lenders (5–10 days).
-
5
Close and begin manufacturing investment
Upon approval, close the loan with the lender. Funds disbursed for the manufacturing purpose. Repayment begins the following month. Terms up to 25 years for real estate; 10 years for equipment; 7 years for working capital.
Industry & certifications
NAICS codes: 31, 32, 33
The 0% upfront guaranty fee for manufacturers applies to 7(a) loans of $700,000 or less in FY2027 (from October 1, 2026); on larger loans the standard fee applies, so ask your lender for the exact amount.
Deadline & timing
For FY2027 (from October 1, 2026), the upfront guaranty fee is 0% on 7(a) loans of $700,000 or less to manufacturers. Loans above that amount carry the standard fee; the program is available year-round through SBA lenders.
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Last updated October 22, 2026. GrantCompass is an independent funding-discovery tool and is not affiliated with any government agency. Always confirm details on the official program page.