Why Choose Manu Business Lending in Chicago

Your business. Your growth. Your city. Manu, powered by National Business Capital, delivers fast, flexible capital with fewer barriers than traditional banks. We connect Chicago business owners to 75+ lenders, tailoring solutions for Cook County’s diverse economy — from logistics and construction to manufacturing, healthcare, tech, and professional services.

• Speed: Funding in days, sometimes within 24 hours
• Flexibility: Cash flow-based, no collateral on select loans
• Local Expertise: Advisors who understand the Chicago and Midwest business landscape
• Ongoing Support: Personalized financial guidance for long-term growth

Lending Options for Chicago 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 manufacturers, contractors, and logistics companies.
• SBA Loans (7(a), 504): $50K–$5M; terms up to 25 years; ideal for real estate, expansion, or acquisitions.
• 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; great for manufacturing, logistics, and staffing firms.
• Inventory Line of Credit: $100K–$10M; up to 85% of inventory value; ideal for distribution and retail sectors.
• Asset-Based Lending: Borrow against inventory, receivables, or equipment; advances up to 95%.
• Purchase Order Financing: Up to 90% of PO value; rapid approvals for large corporate or government contracts.
• Startup Financing: $10K–$5M; flexible terms; designed for new ventures and innovative startups.
• Commercial Real Estate Loans: $100K–$5M; up to 25-year terms; ideal for office, retail, or industrial expansion in the Chicago metro.
• Subordinated Debt: Up to $10M; FICO 600+; for high-growth companies with strong cash flow; rates from 15%*.

Niche Financing Programs

• Manufacturing & Industrial Financing: For fabricators, machinists, and producers across the Chicagoland area.
• Healthcare Practices: Up to $5M for clinics, dental, or medical practices seeking growth or new facilities.
• Construction & Trades: For contractors, HVAC, and electrical companies operating across Cook County.
• Women-Owned Businesses: Up to $5M; same-day approvals available on select programs*.
• Veteran-Owned Businesses: Tailored funding for Chicago’s strong veteran and community-driven entrepreneurs.

Use Capital to Power Local Growth

• Stabilize cash flow through seasonal cycles
• Expand operations, staff, or warehouse space
• Upgrade machinery, vehicles, or technology
• Hire and train specialized workforce
• Finance large projects or government contracts
• Renovate facilities or open new locations
• Prepare for acquisitions or expansions across Illinois

What Sets Manu Lending Apart

• Access to 75+ national and regional lenders
• 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 experience

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 funding offers for Chicago businesses from our network of 75+ lenders.

Lending Product Catalog

Product Line Catalog

About Manu

Manu is a specialized digital platform that helps Illinois manufacturers, logistics companies, and small businesses access financing and visibility. Powered by National Business Capital, Manu supports industrial and service-based enterprises throughout the Chicago metro area and the greater Midwest 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.