Why Choose Manu Business Lending for American Industries

Your business. Your industry. Your growth. Manu, powered by National Business Capital, delivers fast, flexible capital with fewer roadblocks than traditional banks. We connect U.S. businesses to 75+ lenders and tailor offers for core American industries — manufacturing, construction, logistics, healthcare, retail, hospitality, agriculture, energy, technology, and professional services.

• Speed: Funding in days, sometimes 24 hours
• Flexibility: Cash flow-based solutions and unsecured options on many products
• Industry Insight: Advisors with deep experience across U.S. sectors and regional markets
• Ongoing Support: Dedicated guidance for long-term capital strategies and growth planning

Lending Options for U.S. Businesses

• Small Business Loans: $10K–$10M; FICO 580+; 1–2 yrs in business; funding in 1–3 days*. No prepayment penalty, refinance up to 2 loans.
• Business Line of Credit: $10K–$5M (Secured: up to $100M, Unsecured: up to $750K); revolving; FICO 600–650+; 1 yr in business; same-day funding*. Pay only for what you use.
• Equipment Financing: $10K–$5M; terms up to 5 yrs; FICO 550+; 1 yr in business; rates from 6–7%*. 100% financing available for fleets, manufacturing machinery, agricultural equipment, and trade tools.
• SBA Loans (7(a), 504): $50K–$5M; terms up to 25 yrs; FICO 660+; 2 yrs in business; rates Prime + 1–2.75%*. Funding in 4–10 weeks†.
• Merchant Cash Advances/Business Advance: $10K–$10M; no min FICO; 1 yr in business; $500K sales/$40K monthly deposits; same-day funding*. Repaid via sales, early payoff discounts.

Specialized Capital Solutions

• Accounts Receivable Financing: $100K–$100M; no min FICO; 1 yr in business; $1M sales, $100K+ A/R; up to 95% advance; rates Prime + 2%*. Funding in 7+ days.
• Inventory Line of Credit: $100K–$10M; no min FICO; 1 yr in business; $1M sales, $1M inventory; up to 85% inventory value; rates Prime + 2%*. Funding in 7+ days.
• Asset-Based Lending: Borrow against inventory, receivables, or equipment; advances up to 95%; credit guidelines vary by lender.
• Purchase Order Financing: Up to 90% of PO value; 1 yr in business; expedited approvals for U.S. manufacturers and importers.
• Startup Financing: $10K–$5M; flexible terms; credit requirements vary; specialized programs for founders and early revenue businesses.
• Commercial Real Estate Loans: $100K–$5M; terms up to 25 yrs; FICO ≥620‡; ideal for expansion, acquisition, and owner-occupied properties.
• Subordinated Debt: Up to $10M; FICO 600+; 1 yr in business; $1M sales; rates from 15%*. No collateral, equity, or covenants in select programs.

Niche Financing Programs by Industry

• Manufacturing & Industrial: Working capital, equipment lines, and growth financing for contract manufacturers, metalworks, fabrication, and industrial services.
• Construction & Trades: Project lines, equipment loans, and working capital for general contractors, specialty trades, and subcontractors nationwide.
• Healthcare & Dental: Practice loans, equipment financing, and working capital for clinics, dental practices, and medical groups.
• Agriculture & Food Production: Financing for equipment, seasonal working capital, processing lines, and cold-storage investments.
• Energy & Renewables: Project financing and equipment leasing for small-scale energy projects, service contractors, and energy-tech firms.
• Retail, Hospitality & Franchises: Seasonal lines, renovation loans, and franchise startup financing for multi-location rollouts.
• Logistics & Transportation: Fleet financing, fuel lines, and equipment leasing for carriers, warehousing, and 3PL providers.
• Technology & Professional Services: Growth capital, receivable financing, and convertible options for software, IT services, and business services.
• Women- & Veteran-Owned Businesses: Specialized fast-track programs and advisor support for certified owner-operators.

How Capital Powers Growth

• Stabilize cash flow during demand swings
• Fund inventory or supplier orders
• Open or remodel locations across U.S. markets
• Modernize equipment and adopt new technology
• Hire and train skilled talent
• Manage seasonal or commodity-driven cycles
• Prepare for acquisition, franchising, or geographic expansion

What Sets Manu Lending Apart

• Access to 75+ lenders with one application
• Pre-qualification without a hard credit pull
• Dedicated advisors with sector and regional expertise
• 100% digital application and transparent tracking
• Exclusive relationships with top B2B and industry lenders
• Over $2.5B funded, 3,000 5-star reviews, 17 years of service

Application Process

Apply in minutes with our 100% digital process. No hard credit pull for pre-qualification.

1. Select loan amount ($10K–$10M)
2. Provide personal credit score
3. Enter owner information (name, DOB, SSN)
4. Upload 6 months of bank statements

Our advisors will match you with the best offers from our network of 75+ lenders for U.S. businesses in your industry.

Lending Product Catalog

Product Line Catalog

About Manu

Manu is a specialized digital platform that enables manufacturers and businesses across the United States to access financing, list facilities, showcase capabilities, and reach new customers. Powered by National Business Capital, Manu helps industrial, commercial, and service businesses grow with tailored funding solutions and market visibility.

About National Business Capital

National Business Capital is a fintech marketplace that connects businesses with over 75 lenders. With over $2.5B secured for businesses nationwide since 2007, NBC helps entrepreneurs and industry operators thrive with fast, flexible financing.