Why Choose Manu Business Lending

Manu, powered by National Business Capital, delivers fast, flexible capital across industries with fewer roadblocks than traditional banks. We connect businesses to 75+ lenders and tailor offers to specific industry needs.

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

Lending Options

• Small Business Loans: $10K–$10M; FICO 580+; 1–2 yrs; funding in 1–3 days*. No prepayment penalty.
• Business Line of Credit: $10K–$5M; 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+; rates from 6–7%*. 100% financing for industry-specific equipment.
• SBA Loans (7(a),504): $50K–$5M; terms up to 25 yrs; FICO 660+; 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 with early payoff discounts.

Specialized Capital Solutions

• Accounts Receivable Financing: $100K–$100M; no min FICO; up to 95% advance; funding in 7+ days.
• Inventory Line of Credit: $100K–$10M; up to 85% inventory value; funding in 7+ days.
• Asset-Based Lending: Borrow against inventory, receivables, equipment; advances up to 95%.
• Purchase Order Financing: Up to 90% of PO value; expedited approvals.
• Startup Financing: $10K–$5M; flexible terms.
• Commercial Real Estate Loans: $100K–$5M; terms up to 25 yrs; FICO ≥620‡.
• Subordinated Debt: Up to $10M; FICO 600+; rates from 15%*.

How Capital Powers Growth

• Stabilize cash flow
• Fund inventory or supplier orders
• Expand operations and facilities
• Modernize equipment and technology
• Hire and train skilled talent
• Manage seasonal or industry-specific cycles
• Prepare for acquisition or expansion

What Sets Manu Apart

• Access to 75+ lenders with one application
• Pre-qualification without a hard credit pull
• Dedicated advisors with 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 via a 100% digital process. No hard credit pull for pre-qualification.

1. Select loan amount ($10K–$10M)
2. Provide business credit score
3. Enter owner information (name, DOB, EIN)
4. Upload 6 months of bank statements

Advisors will match your business with the best offers from our network of 75+ lenders.

Lending Product Catalog