# 119-hr-3174: Made in America Manufacturing Finance Act

119-hr-3174, Made in America Manufacturing Finance Act, is a 119th Congress bill sponsored by Rep. Williams, Roger [R-TX-25] (R-TX); status passed_house; PRIA reads it as touching household money (as of 2026-10-23).

- Canonical: https://policyrisk.com/legislation/119-hr-3174
- As of: 2026-10-23
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-3174
- Congress: 119
- Title: Made in America Manufacturing Finance Act
- Status: passed_house
- Introduced: 2025-05-01
- Sponsor: Rep. Williams, Roger [R-TX-25] (R-TX)
- Cosponsors: 12
- Policy area: Commerce
- Touches household money: yes
- Last recorded action: 2026-10-23

## Summary

**Expand SBA loan caps to boost financing for U.S. small manufacturers.** This bill would define "Small Manufacturer" as firms in NAICS sectors 31, 32, or 33 with production facilities entirely in the United States and raise loan limits under the SBA 7(a) program and the Small Business Investment Act to make larger loans available, including for export-related financing. - Small manufacturers: Would gain access to bigger 7(a) loans. The non-export cap rises from about $3.8 million to $7.5 million and can reach up to $10.0 million in cases where the gross loan amount would exceed that threshold. - Exporters and working capital borrowers: The export-related 7(a) cap rises from $4.5 million to $9.0 million, or up to $10.0 million, with no more than $8.0 million usable for working capital, supplies, or export financings. - Small Business Investment Act borrowers and lenders: The maximum SBIA loan for qualifying small manufacturers would increase from $5.5 million to $10.0 million, widening the size of investments available under existing authorities.

## Cosponsors (12)

- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2025-05-13T00:00:00.000Z
- Rep. Moran, Nathaniel [R-TX-1] (R-TX), 2025-05-13T00:00:00.000Z
- Rep. Goldman, Craig A. [R-TX-12] (R-TX), 2025-06-05T00:00:00.000Z
- Rep. Wied, Tony [R-WI-8] (R-WI), 2025-07-17T00:00:00.000Z
- Rep. Downing, Troy [R-MT-2] (R-MT), 2025-07-17T00:00:00.000Z
- Rep. Finstad, Brad [R-MN-1] (R-MN), 2025-07-21T00:00:00.000Z
- Rep. Ellzey, Jake [R-TX-6] (R-TX), 2025-07-21T00:00:00.000Z
- Rep. Jack, Brian [R-GA-3] (R-GA), 2025-07-21T00:00:00.000Z
- Rep. LaLota, Nick [R-NY-1] (R-NY), 2025-07-21T00:00:00.000Z
- Del. King-Hinds, Kimberlyn [R-MP-At Large] (R-MP), 2025-07-21T00:00:00.000Z
- Rep. Van Duyne, Beth [R-TX-24] (R-TX), 2025-07-21T00:00:00.000Z
- Rep. Schmidt, Derek [R-KS-2] (R-KS), 2025-07-22T00:00:00.000Z

## Provisions PRIA read

- Bigger SBA loans for manufacturers: benefit, high. If enacted, small manufacturers could get bigger SBA 7(a) loans. The cap would be $7.5 million, or $9 million for export loans (with up to $8 million for working capital, supplies, or export financings). For loans under paragraph (14)(B)(i), the cap would be $10 million for small manufacturers; oth…
- Higher Small Business Investment Act loans for manufacturers: benefit, high. If enacted, the maximum loan under the Small Business Investment Act section 502(2)(A)(iii) would rise from $5.5 million to $10 million for small manufacturers. This would apply upon enactment.
- Who counts as a small manufacturer: benefit, medium. If enacted, a “small manufacturer” would mean a small business mainly in NAICS sectors 31, 32, or 33, with all production facilities in the United States. This status would decide who can use the higher loan caps in the bill. It would apply upon enactment.

## Related bills

- 119-hr-1181: Protecting Privacy in Purchases Act
- 119-hr-1422: Enhanced Iran Sanctions Act of 2025
- 119-hr-703: Main Street Tax Certainty Act
- 119-hr-1502: North Platte Canteen Congressional Gold Medal Act
- 119-hr-452: Miracle on Ice Congressional Gold Medal Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act

## Sources
- [119-hr-3174 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3174)

## Related
- [119-hr-1181: Protecting Privacy in Purchases Act](https://policyrisk.com/legislation/119-hr-1181)
- [119-hr-1422: Enhanced Iran Sanctions Act of 2025](https://policyrisk.com/legislation/119-hr-1422)
- [119-hr-703: Main Street Tax Certainty Act](https://policyrisk.com/legislation/119-hr-703)
- [119-hr-1502: North Platte Canteen Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-1502)
- [119-hr-452: Miracle on Ice Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-452)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-3174 (as of 2026-10-23).