The SBA Made in America Loan Guarantee is a new program that gives U.S. manufacturers access to loans up to $5 million with a 90% federal guarantee. Announced on March 31, 2026, by the U.S. Small Business Administration, the program is designed to help small manufacturers expand facilities, upgrade equipment, and bring production back to American soil. If you run a manufacturing business and need capital to grow, this is one of the strongest SBA-backed financing options available today.
The Made in America Loan Guarantee is an expansion of the SBA's International Trade Loan (ITL) program specifically targeting domestic manufacturers. It raises the federal guarantee from the standard 75% under the traditional SBA 7(a) program to 90%, making it significantly easier for lenders to approve loans for manufacturing businesses.
The program is part of a broader government effort to rebuild domestic manufacturing capacity. Small businesses account for 98% of all manufacturers in the United States, and the SBA has positioned this initiative as a way to help them compete, hire, and invest in production.
The Made in America Loan Guarantee offers up to $5 million in financing with a 90% federal guarantee and repayment terms up to 25 years, specifically for U.S. manufacturers.
Eligibility is straightforward. Any small business classified under NAICS Sectors 31 through 33 (which covers virtually all manufacturing) qualifies for the expanded ITL program. This includes but is not limited to:
If your business makes physical products in the United States, there is a strong chance you qualify. The full program details are available on SBA.gov.
Here are the core terms of the Made in America Loan Guarantee:
The fee waivers are a significant bonus. On a $950,000 loan, the standard SBA upfront fee would normally run between 2% and 3.5%, which means you could save thousands of dollars by applying while the waiver is in effect.
The Made in America program is designed to support real investments in manufacturing capacity. Approved uses include:
If you are looking at equipment financing for manufacturing machinery, the Made in America program may offer better terms than a standalone equipment loan, especially given the fee waivers and longer repayment windows. Blue Group Capital also offers term loans and lines of credit that can work alongside an SBA loan to cover shorter-term capital needs.
Manufacturers using SBA financing in 2026 can take advantage of two additional federal tax provisions that work well with this program:
100% bonus depreciation on equipment acquired after January 19, 2025, means you can deduct the full cost of qualifying equipment in the year you buy it. If you use an SBA loan to purchase a $500,000 CNC machine, for example, you can write off the entire cost immediately rather than depreciating it over several years.
The permanent 20% QBI (Qualified Business Income) deduction allows eligible small business owners to deduct up to 20% of their qualified business income. For manufacturers generating strong revenue, this deduction can result in significant tax savings.
These tax benefits are separate from the SBA loan itself, but they make the economics of borrowing to invest in manufacturing equipment and capacity significantly more attractive.
The Made in America Loan Guarantee is issued through SBA-approved lenders. Here is the process:
The Made in America Loan Guarantee is a powerful tool, but navigating SBA paperwork and lender requirements can slow you down. Blue Group Capital cuts through the complexity. Our team works directly with manufacturing businesses to identify the right financing structure, whether that is the Made in America ITL, a traditional SBA 7(a) loan, equipment financing, or a combination.
We have funded over 4,000 businesses and understand the capital needs of companies that build things. If you are ready to invest in your manufacturing operation, apply now or call (833) 489-3863 to speak with a loan advisor who can help you move quickly.
It is an expansion of the SBA's International Trade Loan program that provides a 90% federal guarantee on loans up to $5 million specifically for U.S. manufacturers. The higher guarantee encourages lenders to approve more loans and offer better terms.
The program became available to eligible manufacturers on May 1, 2026. It was announced by the SBA on March 31, 2026.
Any small business classified under NAICS Sectors 31 through 33 is eligible. This covers food manufacturing, textiles, metals, electronics, transportation equipment, medical devices, and virtually every other type of manufacturing.
Yes. The SBA has waived upfront fees on 7(a) manufacturing loans up to $950,000 and eliminated both upfront and annual service fees on 504 manufacturing loans through September 30, 2026.
The main difference is the guarantee percentage (90% vs. 75%) and the fee waivers. The higher guarantee makes lenders more willing to approve loans, and the fee waivers reduce your upfront costs. The Made in America program also runs through the ITL structure, which offers repayment terms up to 25 years.
Yes. Equipment purchases are one of the primary approved uses for the Made in America Loan Guarantee. Combined with 100% bonus depreciation, using this loan for equipment can be particularly tax-efficient.
Start your application here or call (833) 489-3863. A dedicated loan advisor will review your situation, confirm eligibility, and guide you through the full SBA application process.
Blue Group Capital LLC is a business financing advisory firm. We provide tailored financing solutions for businesses in the US and Canada.
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