SBA & MARC
Program
Introduction
SBA & Manufacturing Financing Through Power Capital Direct
The U.S. Small Business Administration (SBA) offers some of the most powerful financing programs available for small and midsize businesses. Through recent expansions under the Made in America Manufacturing Initiative, qualifying domestic manufacturers now benefit from higher loan limits, fee waivers, and specialized capital programs.
We guide you through eligibility, lender selection, and documentation strategy to streamline the path to funding.
At Power Capital Direct, we structure SBA and manufacturing financing to align with long-term business objectives — whether acquiring commercial real estate, purchasing a business, expanding production capacity, refinancing debt, or increasing working capital.
SBA 7(a)
Loan
Program
The most flexible SBA solution.
Our SBA 7(a) financing provides up to $5,000,000, with expanded limits of up to $10,000,000 for qualifying U.S. manufacturers, and can be strategically structured for business acquisitions, partner buyouts, working capital, equipment purchases, debt refinancing, and owner-occupied commercial real estate. Designed for long-term stability, terms extend up to 25 years for real estate and up to 10 years for general business use, allowing borrowers to preserve cash flow while positioning for sustainable growth.
SBA 504
Loan
Program
Stable, Predictable Capital for Facility Expansion and Major Assets
The SBA 504 Loan Program is specifically designed to finance long-term fixed assets such as owner-occupied commercial real estate, facility construction, and heavy equipment purchases. This program combines a long-term fixed-rate component with lower equity requirements—typically around 10% down—creating a stable and predictable amortization structure. Standard loan limits reach up to $5,500,000, with expanded availability of up to $10,000,000 for qualifying domestic manufacturers. Terms generally range from 20 to 25 years for real estate, making it an ideal solution for businesses seeking permanent, growth-oriented capital.
SBA Express
Loan
Program
Fast, Flexible Capital When Timing Matters Most
The SBA Express Program offers fast, flexible financing of up to $500,000, designed for businesses that need quick access to capital without the longer timelines of traditional SBA processing. With a streamlined approval structure and expedited lender decision-making, this program is ideal for addressing immediate working capital needs, managing seasonal cash flow gaps, funding short-term growth opportunities, purchasing inventory, or covering unexpected operational expenses.
Government-Backed Strength
SBA and Made in America programs reduce lender risk through federal guarantees, allowing access to longer terms, lower down payments, and more competitive structures.
Expanded Capital Capacity
With manufacturing limits reaching up to $10 million, businesses can finance acquisitions, facility expansion, equipment, and working capital under one strategic framework.
Low Down
Payment
Fee waivers, 0% upfront incentives, and extended amortizations significantly reduce the total cost of capital. Combined with working capital flexibility and onshoring support.
Strategic Lending
We structure financing for long-term scalability and connect borrowers with the right lenders, ensuring competitive terms, predictable structures, and sustainable growth.
Made in
America
Initiative
Dedicated Manufacturer Programs
The Manufacturer’s Access to Revolving Credit (MARC) program is the SBA’s first financing solution created exclusively for U.S. manufacturers, offering up to $5,000,000 structured as either a term loan or a revolving line of credit. Designed to support inventory purchases, project costs, and production expansion, MARC strengthens operational liquidity while providing the flexibility needed to scale domestic manufacturing. Complementing this, the 7(a) Working Capital Pilot (WCP) provides up to $5,000,000 in revolving credit, allowing inventory and accounts receivable to be used as collateral to enhance cash flow.
Under the Made in America Manufacturing Finance Act, qualifying manufacturers also benefit from expanded loan limits — increasing SBA 7(a) and 504 programs to $10,000,000 — along with significant fee incentives, including 0% upfront fees on eligible 7(a) loans through September 30, 2026, and 0% upfront and annual service fees on 504 manufacturing loans for Fiscal Year 2026, substantially reducing the total cost of capital.
Federal Support for
U.S. Manufacturing
Growth
Beyond financing, the initiative supports U.S. manufacturers with tools for onshoring, supplier sourcing, workforce development, and regulatory support.
The SBA’s Onshoring Portal connects businesses with more than 1 million U.S.-based suppliers, while the Empower to Grow (E2G) program provides training and technical assistance in areas such as welding, industrial software, quality control, and advanced manufacturing. Manufacturers can also use the Red Tape Hotline to report regulatory barriers affecting domestic growth.
ELIGIBILITY HIGHLIGHTS
To qualify for manufacturing-specific SBA benefits, businesses must operate their manufacturing activities in the United States, fall within NAICS sectors 31–33, meet applicable SBA size standards, and operate as a U.S. for-profit business.
Eligible manufacturers may access financing of up to $10 million, long-term amortizations of 20–25 years, lower equity requirements, and potential 0% fee incentives for 2026, subject to program guidelines.
The program is designed for manufacturers purchasing owner-occupied real estate, acquiring businesses, expanding facilities or production capacity, bringing operations back to the U.S., refinancing higher-cost debt, or supporting working-capital needs.
Ready to Structure Your SBA or Manufacturing Financing?
Let’s evaluate your project and determine eligibility for expanded manufacturing loan limits, fee waiver incentives, working capital solutions, and real estate or acquisition financing. Our team will review your structure, objectives, and timeline to align the right SBA and Made in America strategy for your growth plan.PCD Headquarters
Visit us at our Coral Gables office: 1430 South Dixie Hwy, Suite 314, Coral Gables, FL 33146. Street-level access. Meetings by appointment.
Contact Us via Email
Send us a message and we’ll get back quickly with the right program for you, or contact us at info@powercapitaldirect.com
Schedule a Call
Let’s connect by phone: +1-305-400-2494. Tell us about your deal, and we’ll guide you to the right program.
Send Us a Message
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Commercial Financing Disclosure
Power Capital Direct provides business-purpose and commercial real estate financing. Financing offered through this program is intended for business and investment purposes and is not intended for personal, family, or household use.
Power Capital Direct
1430 South Dixie Hwy, Suite 204
Coral Gables, FL 33146
info@powercapitaldirect.com
Designed for investors who need quick access to capital, our bridge loans are asset-driven, focusing on the property’s value rather than borrower credentials. Whether acquiring, refinancing, or repositioning residential or commercial properties, this program gives you the speed and flexibility to seize opportunities without delay.
Fees: NO UPFRONT FEES
Bridge & Hard Equity Program
Loan terms, rates, fees, loan-to-value requirements, and approval conditions may vary based on the property, transaction, borrower qualifications, and underwriting. All financing is subject to review and approval. Submission of an inquiry or application does not constitute a commitment to lend.
Let’s Connect!
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