manu // faq
Frequently Asked
Questions
Straight answers about business loans, credit requirements, funding timelines, and how the Manu network works. No jargon, no fine print surprises.
National Business Capital network figures.
Credit & Qualifications
What credit score do I need for a business loan?
Credit score requirements vary by lender and loan product. Many equipment financing and working capital programs work with fair credit (600+) because the asset or revenue secures the deal. SBA and traditional bank loans typically require 680 or higher. The Manu network weighs your full business profile, including revenue, time in business, and collateral, not just the score alone.
What revenue and time in business is required?
Most programs require at least 6 months in business and $10,000 or more in monthly revenue. Equipment financing and merchant cash advances can work with newer businesses. SBA loans and traditional bank loans typically prefer 2+ years in business with strong, consistent revenue. The Manu network includes 75+ lenders with varying requirements, so businesses at different stages can find matching options.
How does a soft credit pull work vs a hard pull?
A soft credit pull lets lenders review your credit profile without impacting your credit score. The Manu pre-qualification process uses a soft pull, so checking your options does not affect your credit. A hard pull may occur during full underwriting after you select and accept a specific lender offer. The hard pull is visible on your credit report and may temporarily affect your score.
Fees & Process
Are there upfront fees to apply?
No. There are no upfront fees to submit an application or pre-qualify through the Manu network. You can review lender offers without any cost or obligation. If you accept an offer, standard lender fees (such as origination or closing costs) apply, and those are disclosed before you commit.
How fast can I get funded?
Funding speed depends on the loan type and amount. Merchant cash advances and working capital lines can fund in as little as 24 to 48 hours. Equipment financing typically funds in 3 to 5 business days. SBA loans take longer, usually 60 to 90 days, due to government-backed underwriting requirements. Smaller deals through the NBC network can fund in hours to a few business days.
What documents do I need to apply?
Pre-qualification requires a basic application and 3 to 6 months of recent business bank statements. Full underwriting may add: 2 to 3 years of business tax returns, year-to-date profit and loss statements, balance sheet, debt schedule, equipment quotes (for equipment financing), and personal financial statements for owners with 20% or more stake. Having documents ready speeds up the process. See our How It Works page for a complete application checklist.
Loan Types & Coverage
What loan types are available?
The Manu network offers term loans ($10K to $15M), business lines of credit ($10K to $5M), equipment financing ($10K to $5M), SBA 7(a) and 504 loans ($50K to $5M), merchant cash advances, invoice factoring, inventory financing, accounts receivable financing, commercial real estate loans, and specialized financing programs.
Is Manu a direct lender or a broker?
Manu Business Lending is a paid referral partner of National Business Capital, not a direct lender. National Business Capital is a fintech financing platform that connects businesses with 75+ lenders. Manu helps businesses navigate the application process, and NBC's lender network provides the actual financing. All loans are subject to lender credit approval, terms, and conditions.
What states do you serve?
Manu Business Lending serves businesses in all 50 states. The National Business Capital lender network includes regional and national lenders, so your application reaches lenders familiar with your local market. Whether you are in a major metro or a rural area, the network can match you with appropriate financing options.
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.