manu // agriculture
Agriculture
Business Loans
Capital built for how farms run. Equipment and land, inputs and labor, and the gap until harvest sells, funded through one application to a network of 75+ lenders. Powered by National Business Capital.
National Business Capital network figures.
Why Growers Choose Manu
Finance tractors, implements, irrigation, and harvest equipment, secured by the asset.
Cover inputs, labor, and operating costs until crops or livestock sell.
Smaller deals fund in hours to days. No hard credit pull to pre-qualify.
A single form reaches 75+ lenders, so you compare offers instead of chasing banks.
Financing Options
One application returns matched offers across products, so you compare instead of guess.
Built for Agriculture
Programs tuned to how operations run:
- Row crops and produce, for planting, irrigation, and harvest equipment
- Livestock and dairy, for herd, feed, and facilities
- Specialty and organic, for greenhouses and processing
- Agribusiness and processing, for storage, packing, and distribution
How You Qualify
Lenders weigh the whole operation, not just a score:
- Time in operation and revenue
- Equipment, land, and livestock as collateral
- Production cycle and contracts
- Margins and seasonality
- Owner credit, as one input among several
Financeable equipment, land, or livestock can carry a deal that credit alone would not.
How to Apply
- Tell us how much you need, $10K to $15M, and what for.
- Share basic operation and owner details. No hard credit pull to pre-qualify.
- Send recent bank statements, plus equipment quotes or production details if relevant.
- Compare matched offers from 75+ lenders and pick what fits.
FAQ
What credit score do I need?
It varies by lender and product. Many equipment and operating programs work across a range of credit profiles, and the network weighs the whole operation, not the score alone.
Can I finance used farm equipment?
Yes. Many lenders finance used tractors, implements, and machinery, secured by the asset. Terms track its age, hours, and resale value.
How fast can I get funded?
Smaller deals can fund in hours to a few business days. Larger, land, and SBA backed loans take longer, often several weeks.
What documents do I need?
Pre-qualification needs basic operation details and recent bank statements. Full underwriting may add financials, tax returns, equipment quotes, or production and contract details.
Is there a hard credit pull to pre-qualify?
No. There is no hard credit pull to pre-qualify, so checking your options does not affect your credit.
Can a newer operation qualify?
Often yes. Equipment financing and asset based options can work for newer operations when the machinery, land, or livestock supports the deal.
What about USDA and SBA farm loans?
The USDA Farm Service Agency is the primary source of government backed farm loans, including farm ownership and operating loans. SBA programs can fit some agriculture-related businesses. The network lets you compare private options alongside these. See USDA.gov and SBA.gov.
Sources
- USDA Farm Service Agency, farm loans: fsa.usda.gov
- U.S. Small Business Administration, loan programs: sba.gov/funding-programs/loans
- Federal Reserve, Small Business Credit Survey: fedsmallbusiness.org
About Manu
Manu is a digital platform that helps US manufacturers and small businesses list facilities, showcase capabilities, and market products.
About National Business Capital
National Business Capital is a fintech financing platform that connects businesses with 75+ lenders, $3B+ secured nationwide since 2007.
Manu Business Lending is a paid referral partner of National Business Capital. Financing is provided by NBC and its lender network, not by Manu, and all loans are subject to lender approval, terms, and conditions.