manu // how-it-works
How It
Works
One application. 75+ lenders. No hard credit pull to pre-qualify. Here is exactly what happens from start to funding.
National Business Capital network figures.
The 4-Step Process
- Select Your Capital Needs Tell us how much you need and what it is for, whether that is equipment, working capital, expansion, or something else. Loan amounts range from $10K to $15M depending on the product.
- Fill Out One Application Share basic business and owner details through a single digital form. No hard credit pull to pre-qualify, so checking your options does not affect your credit score. One application reaches 75+ lenders.
- Upload Bank Statements Provide 3 to 6 months of recent business bank statements. This lets lenders evaluate your actual cash flow and revenue, not just a credit score. Additional documents may be requested during full underwriting.
- Get Matched With 75+ Lenders Review custom-matched offers from the NBC lender network. Compare rates, terms, and amounts side by side. Accept the offer that fits, and funds can be deposited as fast as 24 hours for smaller deals.
Application Checklist
Having these documents ready before you start speeds up the process significantly:
- 3 to 6 months of recent business bank statements
- Driver's license or government-issued photo ID for primary owner(s)
- Business documentation (articles of incorporation, EIN letter, or business license)
- 2 to 3 years of business tax returns (for larger or SBA loans)
- Year-to-date profit and loss statement
- Equipment quotes or invoices (for equipment financing)
- Commercial lease or property documents (for real estate loans)
- Debt schedule showing existing loan obligations
Not sure which documents apply to your situation? See our FAQ page for product-specific requirements.
Funding Timeline
How long it takes depends on the loan type, amount, and how quickly you provide documents:
| Loan Type | Typical Timeline | Best For |
|---|---|---|
| Merchant Cash Advance | 24 to 48 hours | Small amounts, fast access |
| Working Capital Line | 1 to 3 business days | Short-term cash flow gaps |
| Equipment Financing | 3 to 5 business days | Vehicles, machinery, technology |
| Term Loans | 3 to 7 business days | Growth, expansion, large purchases |
| SBA 7(a) / 504 Loans | 60 to 90 days | Real estate, long-term assets |
Smaller deals through the NBC network can fund in hours. Larger and SBA-backed loans take longer due to underwriting requirements. Working with an SBA Preferred Lender can speed up SBA timelines.
Available Loan Products
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.