Why Choose Manu Business Lending in Austin

Your business. Your growth. Your city. Manu, powered by National Business Capital, delivers fast, flexible capital with fewer barriers than traditional banks. We connect Austin founders and owners to 75+ lenders, tailoring solutions across Travis County’s tech, creative, construction, healthcare, clean energy, logistics, and advanced manufacturing sectors.

• Speed: Funding in days, sometimes within 24 hours
• Flexibility: Cash flow-based, no collateral on select loans
• Local Insight: Advisors who understand Austin’s startup and scale-up ecosystem
• Ongoing Support: Personalized guidance for long-term funding strategies

Lending Options for Austin 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; same-day funding*. Pay only for what you use.
• Equipment Financing: $10K–$5M; up to 5-year terms; ideal for manufacturing, construction, and production gear.
• SBA Loans (7(a), 504): $50K–$5M; terms up to 25 years; great for real estate, acquisitions, and expansion.
• Merchant Cash Advances: $10K–$10M; revenue-based repayment; no minimum credit; funding in 24–48 hours*.

Specialized Capital Solutions

• Accounts Receivable Financing: $100K–$100M; up to 95% advance; useful for agencies, B2B SaaS, and service firms.
• Inventory Line of Credit: $100K–$10M; up to 85% of inventory value; for e-commerce, CPG, and distributors.
• Asset-Based Lending: Borrow against equipment, receivables, or inventory; advances up to 95%.
• Purchase Order Financing: Up to 90% of PO value; accelerate fulfillment for large retail or government orders.
• Startup Financing: $10K–$5M; flexible terms; options for early-stage and pre-revenue companies.
• Commercial Real Estate Loans: $100K–$5M; up to 25-year terms; ideal for Austin-area owner-occupied properties.
• Subordinated Debt: Up to $10M; FICO 600+; strong cash flow required; rates from 15%*.

Niche Financing Programs

• Tech & SaaS Financing: Working capital for ARR/MRR growth, hiring, and product development.
• Clean Energy & EV: Solutions for solar installers, storage, EV fleet, and energy-efficiency upgrades.
• Creative, Events & Hospitality: Flexible options for seasonality, venues, and production companies.
• Women-Owned Businesses: Up to $5M; same-day approvals on select programs*.
• Veteran-Owned Businesses: Tailored programs supporting Austin’s veteran entrepreneur community.

Use Capital to Power Local Growth

• Stabilize cash flow across growth cycles
• Scale headcount and invest in talent
• Fund inventory, marketing, and product launches
• Upgrade manufacturing or construction equipment
• Open or renovate locations across Central Texas
• Finance large POs and supplier contracts
• Prepare for acquisitions or new markets

What Sets Manu Lending Apart

• Access to 75+ lenders with one application
• Pre-qualification without a hard credit pull
• Dedicated advisors for personalized guidance
• 100% digital application and tracking
• Exclusive relationships with top commercial 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 for Austin businesses from our network of 75+ lenders.

Lending Product Catalog

Product Line Catalog

About Manu

Manu is a specialized digital platform that helps Texas manufacturers, technology companies, and small businesses access financing and visibility. Powered by National Business Capital, Manu supports growth across Austin and the greater Central Texas region.

About National Business Capital

National Business Capital is a fintech marketplace connecting businesses with 75+ lenders nationwide. Since 2007, NBC has funded over $2.5B to help entrepreneurs across industries thrive with fast, flexible financing.