manu // hospitality
Hospitality
Business Loans
Capital built for how hospitality runs. Kitchens and equipment, buildouts and renovations, and seasonal swings, funded through one application to a network of 75+ lenders. Powered by National Business Capital.
National Business Capital network figures.
Why Hospitality Chooses Manu
Finance kitchens, bars, refrigeration, and renovations, secured by the asset where possible.
Bridge slow seasons, ramp for peak, and cover payroll and inventory.
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 Hospitality
Programs tuned to how hospitality operates:
- Restaurants and cafes, for kitchens, equipment, and dining rooms
- Bars and nightlife, for buildouts, inventory, and seasonal demand
- Hotels and lodging, for renovations and furniture, fixtures, and equipment
- Catering and food service, for equipment, fleet, and expansion
How You Qualify
Lenders weigh the whole business, not just a score:
- Time in business and revenue
- Card sales and daily deposits
- Equipment and leasehold value
- Margins and seasonality
- Owner credit, as one input among several
Steady card sales or strong equipment 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 card processing or equipment 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 kitchen equipment?
Yes. Many lenders finance used and auction kitchen and bar equipment, 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 recent card processing statements.
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 sales based funding can work for younger businesses when the asset or steady card sales support 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 major 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
- National Restaurant Association: restaurant.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.