Compare the main ways U.S. businesses fund growth, cash flow, and equipment. Manu is a paid referral partner of National Business Capital: one application, no hard credit pull to pre-qualify, matched offers from 75+ lenders.
Get Pre-Qualified · How It Works
Core lending options
Term Loans
Typical range: $10K to $10M
Lump-sum capital for growth, equipment, expansion, or refinancing. Fixed repayment over a set term, with no prepayment penalty on many programs. Best when you know the amount and want a clear payoff date.
Line of Credit
Typical range: $10K to $5M
Revolving funds you draw as needed and repay, then reuse. You pay for what you use. Best for ongoing cash flow gaps, inventory cycles, and unexpected expenses.
Equipment Financing
Typical range: $10K to $5M
Financing for vehicles, machinery, and technology, usually secured by the equipment itself. Up to 100% financing on select lender programs. Best when the asset is the reason you need capital.
Learn about equipment financing
SBA Loans
Typical range: $50K to $5M
Longer-term, often lower-rate financing backed by the SBA, with terms up to 25 years on some programs.
Best for real estate, major expansion, and borrowers who can wait for fuller underwriting.Merchant Cash Advance
Typical range: $10K to $10M
Fast capital repaid as a share of sales, with early payoff discounts on many offers. Best when speed matters more than the lowest long-term cost.
Learn about merchant cash advances
Specialized financing
When the need is tied to invoices, inventory, assets, or purchase orders, these programs may fit better than a standard term loan.
- Accounts receivable financing — borrow against unpaid invoices
- Invoice factoring — sell invoices for faster cash
- Working capital loans — short-term operating capital
- Short-term business loans — smaller amounts, faster cycles
- Unsecured business loans — financing without hard asset collateral
- Bridge loans — short-term capital between transactions
- Revenue-based financing — repayment tied to revenue
- Commercial real estate loans — buy, build, or refinance property
- Business debt consolidation — combine debts into one payment
- Startup business loans — options for newer businesses
How to choose
- Know the use of funds — equipment often fits equipment financing; open-ended cash flow often fits a line of credit.
- Speed vs. cost — MCA and short-term products are usually faster; SBA and longer term loans often cost less over time.
- One application — you do not need to pick perfectly first. Apply once and compare matched offers.
Get Pre-Qualified · See the 4-step process · Contact
Manu Business Lending is a paid referral partner of National Business Capital. Network figures such as lender count and funding volume refer to NBC. Actual amounts, rates, and approval decisions vary by lender and business profile. No hard credit pull to pre-qualify.