The SBA Just Dropped a Game-Changer for American Manufacturers
If you’ve been screaming into the void about how tough it is to get working capital for your manufacturing business…finally, someone in D.C. actually listened.
The Small Business Administration just launched the Manufacturer’s Access to Revolving Credit (MARC) Loan Program, the first-ever loan program exclusively for small U.S. manufacturers. Yeah, you read that right: the feds are finally showing love to the folks who actually make stuff.
So, What’s MARC All About?
Here’s the short version: If your business falls under NAICS codes 31–33 (basically, anything that involves producing, assembling, or fabricating), you can now tap into a flexible line of credit or term loan through the SBA.
This isn’t your standard, red-tape-choked government loan. MARC loans are built for real-life manufacturing challenges:
Working capital that moves with your needs. Whether you’re buying inventory, covering payroll, or gearing up for a new contract, this gives you breathing room.
Use your existing equipment or facility as leverage. Finally, your assets can actually work for you instead of collecting dust.
Revolving or term loan options. Because not every manufacturer runs on the same schedule (or the same profit cycle).
In plain English? MARC loans make it easier to handle the “I need money now to fulfill that massive new order” problem every manufacturer knows too well.
Why This Matters (A Lot)
Nearly 98% of all U.S. manufacturers are small businesses. Yet for years, they’ve been stuck playing financial limbo with banks that don’t “get” manufacturing.
You know the story:
“Sorry, your receivables don’t count as collateral.”
“Come back when your cash flow stabilizes.”
“Maybe try a personal guarantee the size of Texas?”
MARC flips that script. It’s designed to expand credit access, simplify funding, and help bring production back to U.S. soil. That means more jobs, more contracts, and more “Made in America” labels on the shelves.
Part of a Bigger Movement
This isn’t happening in a vacuum. It’s all part of the SBA’s Made in America Manufacturing Initiative, which also includes:
Cutting $100 billion in red tape (hallelujah).
Doubling 7(a) and 504 loan limits for manufacturing.
Launching the “Make Onshoring Great Again” portal, which connects small businesses to over 1 million domestic suppliers.
If you’ve been watching the global supply chain chaos unfold, you already know why this matters. The MARC Program is another step toward reducing reliance on overseas production and rebuilding America’s industrial backbone…with small business at the center.
What It Means for You
If you’re a manufacturer looking to grow, this is your chance to finally get the financial flexibility you’ve been begging for.
Need to buy raw materials before your next shipment? MARC can help.
Need a cushion for payroll during production delays? MARC’s got you.
Need to scale to meet a new contract without drowning in debt? Yep. MARC again.
This program might just be the bridge between survival mode and serious expansion.
And honestly? It’s kind of refreshing to see the government actually respond to what small business owners have been yelling about for decades. Guess they finally realized that the people who build America’s stuff deserve a little support too.
Now if only they’d listen this well about taxes…
Until that miracle happens, Credit Banc’s got your back.
Our team’s already helping manufacturers tap into SBA programs like MARC, without the bureaucratic migraine.
📞 Schedule a quick call with a Credit Banc Advisor to learn how to put these funds to work in your business before your competitors do.
