The U.S. Small Business Administration launched MARC — the Manufacturers' Access to Revolving Credit program — in conjunction with its FY2026 manufacturing fee waivers. MARC is the first SBA loan program dedicated exclusively to small manufacturers, providing revolving credit access specifically structured for manufacturing business cycles.
Most SBA 7(a) loans are term loans — you receive a lump sum and repay it over a fixed schedule. MARC is a revolving credit facility, similar in structure to a business line of credit. Manufacturers can draw down, repay, and draw again within their approved credit limit, making it far better suited to the cyclical cash flow patterns of manufacturing businesses — seasonal inventory buildup, large purchase orders, equipment maintenance cycles, and working capital gaps between production and payment.
MARC is designed for established small manufacturers (NAICS 31–33) that have working capital needs that don't fit cleanly into a term loan structure. A manufacturer that regularly needs $200,000–$500,000 for raw materials ahead of a large production run — then repays as finished goods are sold — is a strong MARC candidate. The revolving structure eliminates the need to apply for a new loan each cycle.
The MARC program launch in FY2026 coincides with the SBA's manufacturing fee waivers. Manufacturers exploring MARC should ask their SBA lender about both programs simultaneously — the combination of fee savings and revolving access represents an unusually favorable financing environment for small manufacturers in 2026.
MARC is available through SBA-approved lenders. Not every SBA lender will offer the program immediately — ask specifically about MARC when evaluating lenders. Preferred SBA lenders with manufacturing portfolios are the most likely to have MARC product knowledge and availability.
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