Why Choose Manu Business Lending in Houston

Your business. Your growth. Your city. Manu, powered by National Business Capital, delivers fast, flexible capital with fewer barriers than traditional banks. We connect Houston business owners to over 75 lenders, offering tailored solutions across Harris County’s diverse industries — from energy and construction to healthcare, logistics, and manufacturing.

• Speed: Funding in days, sometimes within 24 hours
• Flexibility: Cash flow-based, no collateral on select loans
• Local Expertise: Advisors who understand the Houston and Gulf Coast economy
• Ongoing Support: Personalized financial guidance for long-term success

Lending Options for Houston 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 energy, transport, and industrial assets.
• SBA Loans (7(a), 504): $50K–$5M; terms up to 25 years; ideal for expansion, real estate, 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 oilfield services, freight, and logistics companies.
• Inventory Line of Credit: $100K–$10M; up to 85% of inventory value; perfect for wholesale and distribution businesses.
• 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 contract work.
• Startup Financing: $10K–$5M; flexible terms; tailored for new Houston ventures.
• Commercial Real Estate Loans: $100K–$5M; up to 25-year terms; great for property development in Harris County.
• Subordinated Debt: Up to $10M; FICO 600+; strong cash-flow businesses only; rates from 15%*.

Niche Financing Programs

• Oil & Gas Services Financing: Designed for Houston’s energy and support companies; up to $5M; no minimum FICO; funding in 48 hours*.
• Healthcare Practices: For medical, dental, and wellness practices; up to $5M for growth and new facilities.
• Construction & Trades: For contractors, HVAC, plumbing, and electrical companies expanding in Greater Houston.
• Women-Owned Businesses: Up to $5M; same-day approvals available on select programs*.
• Veteran-Owned Businesses: Tailored programs supporting Houston’s large veteran entrepreneur community.

Use Capital to Power Local Growth

• Stabilize cash flow during industry cycles
• Expand operations or upgrade facilities
• Invest in new energy-efficient equipment
• Hire and train skilled workforce
• Open or renovate Houston-area locations
• Purchase materials or fund large contracts
• Prepare for mergers or acquisitions

What Sets Manu Lending Apart

• Access to 75+ national and Texas-based lenders
• Pre-qualification without a hard credit pull
• Dedicated Houston-based financial advisors
• 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 Houston-based 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 and small businesses access financing and visibility. Powered by National Business Capital, Manu supports industrial and service-based companies throughout Houston and beyond.

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.