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 provides strategic operational support through federal resources aimed at strengthening domestic production and accelerating onshoring efforts. The SBA’s Onshoring Portal connects businesses with over 1 million U.S.-based suppliers, helping manufacturers relocate supply chains, reduce dependency on foreign sourcing, and build resilient domestic partnerships.
In addition, the Empower to Grow (E2G) Grants program delivers workforce training and technical assistance in high-demand areas such as welding, industrial software, quality control, and advanced manufacturing processes. The Red Tape Hotline further supports manufacturers by offering a direct channel to report burdensome regulations for review by the SBA Office of Advocacy — reinforcing a broader commitment to reducing operational friction and accelerating U.S.-based industrial growth.
ELIGIBILITY HIGHLIGHTS
To qualify for manufacturing-specific benefits:
To qualify for manufacturing-specific benefits, businesses must have all manufacturing operations physically based in the United States, fall within NAICS sectors 31–33, meet SBA size standards (typically up to 500–1,500 employees depending on the sub-industry), and operate as a U.S. for-profit entity. These guidelines ensure that expanded loan limits and fee incentives are directed toward strengthening domestic production.
This program delivers significant value through government-backed security, financing of up to $10 million for qualifying manufacturers, long-term amortizations of 20–25 years, lower down payments, and 0% fee structures under 2026 incentives. With working capital flexibility, onshoring and workforce support tools, broker-friendly execution, and strategic lender alignment, it is ideal for owner-occupied real estate buyers, entrepreneurs acquiring established businesses, U.S. manufacturers expanding facilities, companies relocating production domestically, and operators increasing production capacity or refinancing higher-interest debt.
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 204, 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
Share a few details through the contact form and our team will follow up promptly. Prefer real-time support? Start a live chat now.