Manufacturer's Access to Revolving Credit (MARC) Program

Manufacturer's Access to Revolving Credit (MARC) Program

Status: Launched October 1, 2025; permanent SBA 7(a) lending product

Geographic Scope: United States (nationwide)

Focus Areas: Small manufacturers in manufacturing industries (NAICS codes 31–33)

Program Description:
The SBA's first-ever lending product designed exclusively for manufacturers. MARC provides both revolving lines of credit and term loans to help manufacturers access flexible working capital and address long-standing barriers to growth.

Key Features

• Maximum Loan Amount: $5,000,000
• SBA Guaranty: 85% for loans up to $150,000; 75% for loans above that amount
• Loan Term: Up to 20 years (10 years revolving and 10 years term-out)
• Eligible Uses: Working capital, raw materials, inventory, production costs, or other operating expenses
• Collateral: Lien on all business assets, excluding vehicles and trading assets

Eligible Industries

NAICS codes 31–33 (Manufacturing industries):
• Durable goods manufacturers: metal, wood, electronic, etc.
• Nondurable goods manufacturers: food, textiles, chemicals, etc.
• Mechanical, physical, or chemical transformation of materials, substances, or components into new products

Eligibility Requirements

• Business must operate under NAICS codes 31–33 (manufacturing industries)
• Meet standard SBA size requirements: tangible net worth under $20 million and average post-tax income under $6.5 million
• Demonstrate consistent cash flow and available collateral
• Businesses contributing to U.S. job creation and strengthening domestic supply chains

How It Works

MARC complements SBA 504 loans: while 504 loans help manufacturers purchase or build facilities and acquire equipment, MARC provides the working capital to keep operations running efficiently. Example: A manufacturer could use a 504 loan to buy a new facility and machinery, then use a MARC line of credit to purchase raw materials, expand inventory, or cover payroll.

Contact: Statewide CDC at 1-800-982-9192

Additional Resources: Visit the National Association of Government Guaranteed Lenders (NAGGL) for additional details.