Why Choose Manu Business Lending in Philadelphia

Your business. Your growth. Your city. Manu, powered by National Business Capital, delivers fast, flexible capital with fewer roadblocks than traditional banks. We connect Philadelphia owners to 75+ lenders, tailoring offers to Philadelphia’s construction, manufacturing, logistics, healthcare, retail, and hospitality sectors. Our offering is also tailored for the CNC Machining & Precision Manufacturing sector.

• Speed: Funding in days, sometimes 24 hours
• Flexibility: Cash flow-based, no collateral on some loans
• Local Insight: Advisors who understand the Philadelphia economy
• Ongoing Support: Dedicated guidance for long-term funding strategies

Lending Options for Philadelphia 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; FICO 600–650+; 1 yr in business; same-day funding*. Pay only for what you use.
• Equipment Financing: $10K–$5M; terms up to 5 yrs; FICO 550+; 1 yr in business; rates from 6–7%*. 100% financing available for fleets, MFG, and trade equipment.
• SBA Loans (7(a), 504): $50K–$5M; terms up to 25 yrs; FICO 660+; 2 yrs in business; rates Prime + 1–2.75%*. Funding in 4–10 weeks†.
• Merchant Cash Advances/Business Advance: $10K–$10M; no min FICO; 1 yr in business; $500K sales/$40K monthly deposits; same-day funding*. Repaid via sales, early payoff discounts.

Specialized Capital Solutions

• Accounts Receivable Financing: $100K–$100M; no min FICO; 1 yr in business; $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 in business; $1M sales, $1M inventory; up to 85% inventory value; rates Prime + 2%*. Funding in 7+ days.
• Asset-Based Lending: Borrow against inventory, receivables, or equipment; advances up to 95%; credit guidelines vary.
• Purchase Order Financing: Up to 90% of PO value; 1 yr in business; expedited approvals*.
• Startup Financing: $10K–$5M; 1 yr in business; flexible terms; credit requirements vary.
• Commercial Real Estate Loans: $100K–$5M; terms up to 25 yrs; FICO ≥620‡; suited to Philadelphia expansions.
• Subordinated Debt: Up to $10M; FICO 600+; 1 yr in business; $1M sales; rates from 15%*. No collateral, equity, or covenants.

Niche Financing Programs

• Construction & Trades: Working capital and equipment for GC, HVAC, electrical, and specialty contractors across the Philadelphia Metro.
• Healthcare Practices: Up to $5M for clinics, dental, and medical practices; options for EHR upgrades and buildouts.
• Women-Owned Businesses: Up to $5M; same-day funding on select programs*.
• Veteran-Owned Businesses: Streamlined review for Philadelphia’s strong military & veteran community.
• Hospitality & Retail: Flexible options for seasonality, renovations, and new locations along major corridors.

Use Capital to Power Local Growth

• Stabilize cash flow during demand swings
• Fund inventory or supplier orders
• Open or remodel locations across Philadelphia
• Modernize equipment and technology
• Hire and train local talent
• Navigate seasonal fluctuations
• Prepare for acquisition or expansion

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 B2B 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 offers from our network of 75+ lenders for Philadelphia businesses.

Lending Product Catalog

Product Line Catalog

About Manu

Manu is a specialized digital platform that enables manufacturers and small businesses in Pennsylvania to list facilities, showcase capabilities, and market products. Powered by National Business Capital, it helps industrial businesses in Philadelphia grow by offering access to financing and visibility across North America.

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 manufacturers thrive with fast, flexible financing.