manu // construction
Construction
Business Loans
Capital built for how contractors run. Equipment and fleet, payroll between draws, and project growth, funded through one application to a network of 75+ lenders. Powered by National Business Capital.
National Business Capital network figures.
Why Contractors Choose Manu
Financing for heavy equipment, trucks, and trailers, secured by the asset. New and used.
Bridge mobilization, the gap between progress draws, and final payment.
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 Construction
Programs tuned to how contractors and trades operate:
- General contractors and homebuilders, for projects, draws, and overhead
- Electrical, HVAC, and plumbing, for equipment, vans, and crews
- Excavation and site work, for heavy equipment and fleet
- Specialty trades, including roofing, concrete, and framing
How You Qualify
Lenders weigh the whole operation, not just a score:
- Time in business and revenue
- Equipment and fleet value as collateral
- Contract backlog and signed work
- Margins and cash flow between draws
- Owner credit, as one input among several
Strong equipment or a signed contract 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 business and owner details. No hard credit pull to pre-qualify.
- Send recent bank statements, plus equipment quotes or contract 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 working capital programs work across a range of credit profiles, and the network weighs the whole business, not the score alone.
Can I finance used equipment and fleet?
Yes. Many lenders finance used and auction equipment and fleet, secured by the asset. Terms track its age and resale value.
How fast can I get funded?
Smaller deals can fund in hours to a few business days. Larger and SBA backed loans take longer, often several weeks for SBA.
What documents do I need?
Pre-qualification needs basic business details and recent bank statements. Full underwriting may add financials, tax returns, equipment quotes, or a work in progress schedule.
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 business qualify?
Often yes. Equipment financing and contract based funding can work for younger companies when the asset or the signed work secures the deal.
SBA 7(a) versus 504?
SBA 7(a) is flexible financing up to $5M. SBA 504 funds fixed assets like real estate and heavy equipment with long terms. See SBA.gov for current details.
Sources
- U.S. Small Business Administration, loan programs: sba.gov/funding-programs/loans
- Federal Reserve, Small Business Credit Survey: fedsmallbusiness.org
- Associated General Contractors of America: agc.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.