Why Choose Manu Business Lending in Detroit

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

• Speed: Funding in days, sometimes within 24 hours
• Flexibility: Cash flow-based, no collateral on select loans
• Local Insight: Advisors who understand Detroit’s mobility renaissance, port & border logistics, and Aerotropolis growth
• Ongoing Support: Dedicated guidance for long-term funding strategies

Lending Options for Detroit 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; terms up to 5 yrs; ideal for tooling, robotics, fleets, and construction equipment.
• SBA Loans (7(a), 504): $50K–$5M; terms up to 25 yrs; great for facilities, acquisitions, and owner-occupied CRE.
• 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; strong fit for tier suppliers, logistics, and staffing firms.
• Inventory Line of Credit: $100K–$10M; up to 85% of inventory value; for warehousing, distribution, and e-commerce.
• 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 automobility and government contracts.
• Startup Financing: $10K–$5M; flexible options for new ventures in mobility, tech, and manufacturing.
• Commercial Real Estate Loans: $100K–$5M; up to 25-year terms; ideal for plant upgrades, industrial condos, and logistics sites.
• Subordinated Debt: Up to $10M; FICO 600+; strong cash flow required; rates from 15%*.

Niche Financing Programs

• Automotive & Mobility: Support for EV transition, supplier tooling, and R&D around Michigan Central & Factory ZERO.
• Transportation, Distribution & Logistics: Working capital for cross-border carriers, drayage, and 3PLs serving the Port and Windsor crossings.
• Healthcare Practices: Up to $5M for clinics, dental, and specialty care growth.
• Construction & Trades: Flexible funding for GC, electrical, HVAC, and civil contractors across Metro Detroit.
• Women- & Veteran-Owned Businesses: Streamlined programs with fast decisions on select products*.

Use Capital to Power Local Growth

• Stabilize cash flow across model launches and bid cycles
• Upgrade automation, robotics, and quality systems
• Expand warehouse/yard capacity near DTW, I-94, I-96, and I-75
• Hire and train specialized and skilled trades talent
• Fund large POs for OEMs and tier customers
• Open or renovate locations across Metro Detroit
• Prepare for acquisitions or new product lines

Detroit Advantage: Mobility, Ports & Aerotropolis

• Michigan Central (Corktown): A restored landmark fueling a tech & mobility hub connecting startups, OEMs, and public partners.
• Factory ZERO (GM Detroit-Hamtramck): All-EV assembly for Hummer EV, Silverado EV, Sierra EV, and Escalade IQ.
• Port & Great Lakes Access: Marine cargo links Detroit to binational and global trade via the St. Lawrence Seaway.
• Detroit Region Aerotropolis: 6,000+ development-ready acres anchored by DTW & Willow Run, 3 interstates, and 5 Class-I rails — a logistics launchpad.

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

Lending Product Catalog

Product Line Catalog

About Manu

Manu is a specialized digital platform that helps Michigan manufacturers, logistics companies, and small businesses access financing and visibility. Powered by National Business Capital, Manu supports industrial and service-based companies throughout Metro Detroit and the Midwest.

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.