Why Choose Manu Business Lending for E-commerce

Your business. Your industry. Your growth. Manu,powered by National Business Capital,delivers fast,flexible capital with fewer roadblocks than traditional banks. We connect E-commerce businesses to 75+ lenders and tailor offers specifically for your industry needs.

• Speed: Funding,sometimes 24 hours
• Flexibility: Cash flow-based solutions and unsecured options on many products
• Industry Insight: Advisors with deep experience in E-commerce sector
• Ongoing Support: Dedicated guidance for long-term capital strategies and growth planning

Lending Options for E-commerce Businesses

• Small Business Loans: $10K–$10M; FICO 580+; 1–2 yrs ; 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 ; same-day funding*. Pay only for what you use.
• Equipment Financing: $10K–$5M; terms up to 5 yrs; FICO 550+; 1 yr ; rates from 6–7%*. 100% financing available for industry-specific equipment.
• SBA Loans (7(a),504): $50K–$5M; terms up to 25 yrs; FICO 660+; 2 yrs ; rates Prime + 1–2.75%*. Funding in 4–10 weeks†.
• Merchant Cash Advances/Business Advance: $10K–$10M; no min FICO; 1 yr ; $500K sales/$40K monthly deposits; same-day funding*. Repaid via sales,early payoff discounts.

Specialized Capital Solutions for E-commerce

• Accounts Receivable Financing: $100K–$100M; no min FICO; 1 yr ; $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 ; $1M sales,$1M inventory; up to 85% inventory value; rates Prime + 2%*. Funding in 7+ days.
• Asset-Based Lending: Borrow against inventory,receivables equipment; advances up to 95%; credit guidelines vary by lender.
• Purchase Order Financing: Up to 90% of PO value; 1 yr ; expedited approvals for E-commerce businesses.
• 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 ; $1M sales; rates from 15%*. No collateral,equity covenants .

How Capital Powers E-commerce Growth

• Stabilize cash flow during demand swings
• Fund inventory or supplier orders
• Expand operations and open new facilities
• Modernize equipment and adopt new technology
• Hire and train skilled talent
• Manage seasonal or industry-specific cycles
• Prepare for acquisition 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 E-commerce sector 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 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 E-commerce businesses.

Lending Product Catalog

Product Line Catalog

About Manu

Manu is a specialized digital platform that enables businesses 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.