What This Bill Does · Plain English
Summary · Congress.gov
Made in America Manufacturing Finance Act This bill increases the maximum loan amounts available to small manufactures under the Small Business Administration's 7(a) and 504 loan programs. In particular, the bill generally doubles the maximum loan amount for small manufacturers under the 7(a) program and the bill increases the maximum loan amount for small manufacturers under the 504 program from $5.5 million to $10 million. Generally, 7(a) loans provide short- and long-term working capital which can be used for expenses such as operational needs. 504 loans provide financing for major fixed assets such as new facilities.
Action Timeline
2025-12-04
Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 283.
2025-12-04
Senate vitiated previous action of 12/02/2025 by Unanimous Consent.
2025-12-02
Received in the Senate and Read twice and referred to the Committee on Finance.
2025-12-01
Motion to reconsider laid on the table Agreed to without objection.
2025-12-01
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H4912)
2025-12-01
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H4912)
2025-12-01
DEBATE - The House proceeded with forty minutes of debate on H.R. 3174.
2025-12-01
Considered under suspension of the rules. (consideration: CR H4912-4913)
2025-12-01
Mr. Williams (TX) moved to suspend the rules and pass the bill, as amended.
2025-08-15
Placed on the Union Calendar, Calendar No. 182.
Frequently Asked Questions
Did HR.3174 pass?
HR.3174 is still alive. Current stage: COMMITTEE. Pass likelihood: pending.
What does HR.3174 do?
Made in America Manufacturing Finance Act This bill increases the maximum loan amounts available to small manufactures under the Small Business Administration's 7(a) and 504 loan programs. In particular, the bill generally doubles the maximum loan amount for small manufacturers under the 7(a) program and the bill increases the maximum loan amount for small manufacturers under the 504 program from $5.5 million to $10 million. Generally, 7(a) loans provide short- and long-term working capital which can be used for expenses such as operational needs. 504 loans provide financing for major fixed as…
Who sponsored HR.3174?
HR.3174 was sponsored by Roger Williams (R-Texas).
Full Bill Text
119 HR 3174 EH: Made in America Manufacturing Finance Act U.S. House of Representatives text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. IB 119th CONGRESS 1st Session H. R. 3174 IN THE HOUSE OF REPRESENTATIVES AN ACT To increase loan limits for loans made to small manufacturers, and for other purposes. 1. Short title This Act may be cited as the Made in America Manufacturing Finance Act . 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 manufacturer means a small business concern— (1) the primary business of which is classified in sector 31, 32, or 33 of the North American Industrial Classification System; and (2) all of the production facilities of which are located in the United States. . 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 ; (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 subparagraph (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 purposes; and and inserting paragraph (14) for export purposes; or ; and (iii) by adding at the end the following: (ii) in the case of a borrower that is a small manufacturer, $9,000,000 (or if the 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 subclause (II), $5,000,000; or (II) in the case of a loan made to a small manufacturer, $10,000,000. . 4. Small Business Investment Act of 1958 loan limits for small manufacturers Section 502(2)(A)(iii) of the Small Business Investment Act of 1958 ( 15 U.S.C. 696(2)(A)(iii) ) is amended by striking $5,500,000 and inserting $10,000,000 . Passed the House of Representatives December 1, 2025. Kevin F. McCumber, Clerk.
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