San Antonio, TX, December 18, 2025

The U.S. Small Business Administration has approved its first round of MARC Loans, allocating $3.5 million to support manufacturers across the country. The MARC Loan Program aims to enhance working capital for manufacturers with minimal red tape, promising flexibility in financing. Texas entrepreneurs are expected to leverage these loans for growth and innovation, further boosting local economic development.

First MARC Loans Approved: A Boost for Texas Manufacturers

The U.S. Small Business Administration’s new MARC Loan Program aims to enhance working capital for manufacturers, increasing flexibility and minimizing bureaucratic hurdles.

San Antonio, TX – The U.S. Small Business Administration (SBA) is taking significant strides to support American manufacturers through the introduction of its Manufacturers’ Access to Revolving Credit (MARC) Loan Program. Recently, the SBA approved its first round of MARC Loans, which have allocated $3.5 million in working capital to four manufacturing firms across the country. Tailored specifically for businesses within NAICS sectors 31-33, the MARC Program is positioned to ease financing challenges, allowing manufacturers to focus on growth and innovation.

In the heavy manufacturing landscape, the MARC Loans are particularly noteworthy for their flexibility and reduced regulatory burdens. The program complements the SBA’s existing 7(a) and 504 loan offerings, granting small manufacturers a dedicated financial tool to address various working capital needs. As Texas entrepreneurs rally to restore industrial strength, the MARC initiative could play a vital role in propelling local economic growth and boosting productivity.

Beneficial Loan Structure for Manufacturers

The inaugural set of MARC loans has prioritized supporting diverse operational requirements, including a substantial $1.5 million line of credit for a welding and fabrication company and a $250,000 facility for a porcelain enamel manufacturer. By collaborating with local banks, the MARC Program enhances the ability of these businesses to quickly secure necessary funding, which is essential for maintaining competitiveness in today’s fast-paced industry landscape.

Complementing Existing Support Programs

The MARC Loan Program works in tandem with the SBA’s existing provisions, including the widely recognized 7(a) and 504 loan programs. This creates a dynamic financing landscape where manufacturers can utilize a combination of loans tailored specifically to their operational models and financial health. The program introduces necessary liquidity into the manufacturing sector, aligning with the Administration’s objective of reshoring jobs and revitalizing American industrial dominance. In Texas, where manufacturing continues to be a key economic driver, such initiatives are welcome news.

Key Features of MARC Loans

The MARC Loan Program offers critical financial benefits to eligible businesses. With a maximum loan amount of $5 million and an SBA guarantee of up to 85% for loans of $150,000 or less, it provides manufacturers with a safety net that encourages innovation and stability. The terms of the loans, including negotiable interest rates and prolonged maturity periods, allow businesses to manage repayments effectively while pursuing growth opportunities.

Supporting Onshore Manufacturing

Under Administrator Kelly Loeffler’s leadership, the SBA is committed to fostering an environment conducive to manufacturing success. Among the noteworthy initiatives accompanying the MARC Loan Program is the Made in America Manufacturing Initiative, which focuses on empowering small manufacturers with necessary resources and support. This initiative includes waiving loan fees for small manufacturers in the 2026 fiscal year and cutting extensive red tape, ultimately creating an ecosystem where Texas entrepreneurs can thrive.

The Future of Manufacturing Financing

Looking ahead, the MARC Loan Program stands as a promising option for many manufacturers. Its establishment marks a significant shift in how small businesses can access financial support, reinforcing the notion that increased flexibility in financing can unlock the potential for growth and innovation. As local businesses leverage these resources, the San Antonio economic landscape is poised to flourish, driven by the resilience and creativity of Texas entrepreneurs.

Conclusion

The MARC Loan Program’s launch signifies a pivotal moment in supporting America’s manufacturing sector, particularly within Texas. By providing essential working capital and reducing red tape, the SBA is strategically positioning local manufacturers for success. As we embrace this opportunity, it is essential for all stakeholders—entrepreneurs, community leaders, and policymakers—to remain engaged in advancing San Antonio’s economic future and supporting local businesses.

Frequently Asked Questions (FAQ)

What is the MARC Loan Program?

The Manufacturers’ Access to Revolving Credit (MARC) Loan Program is the first-ever SBA loan offering dedicated to manufacturers, designed to provide maximum flexibility and minimal red tape for small businesses in NAICS sectors 31-33.

Who is eligible for the MARC Loan Program?

Eligible small businesses engaged in manufacturing (NAICS sectors 31-33) can apply for the MARC Loan Program.

What are the loan terms for the MARC Loan Program?

The MARC Loan Program offers a maximum loan amount of $5 million, with an SBA guarantee of up to 85% for loans up to $150,000 and 75% for loans greater than $150,000. Interest rates are negotiable but may not exceed the SBA maximum. Revolving loans may have a maturity of up to 20 years (10 years revolving, 10 years term), and term loans may have a maturity of up to 10 years.

How does the MARC Loan Program support manufacturers?

The MARC Loan Program complements the SBA’s core 7(a) and 504 loan programs, providing a flexible new line of credit to manufacturers and lenders. MARC Loans can be used in combination with SBA and conventional commercial loans, supporting the Administration’s effort to reshore American industrial dominance.

Where can I find more information about the MARC Loan Program?

For more information on the MARC Loan Program, visit the SBA’s official website.

Key Features of the MARC Loan Program

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