manu // retail
Retail
Business Loans
Capital built for how retail runs. Inventory, fit-outs, point of sale, and seasonal demand, funded through one application to a network of 75+ lenders. Powered by National Business Capital.
National Business Capital network figures.
Why Retailers Choose Manu
Fund stock ahead of peak seasons and large buys, secured by inventory where possible.
Bridge slow months, ramp for the holidays, and cover payroll.
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 Retail
Programs tuned to how retailers operate:
- Brick-and-mortar stores, for inventory, fixtures, and fit-outs
- Ecommerce and direct-to-consumer, for inventory and ad spend
- Specialty and boutique, for seasonal buys and new locations
- Multi-location and franchise, for expansion and rollouts
How You Qualify
Lenders weigh the whole business, not just a score:
- Time in business and revenue
- Card sales and daily deposits
- Inventory and equipment value
- Margins and seasonality
- Owner credit, as one input among several
Steady card sales or stock on hand 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 inventory 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 inventory and working capital programs work across a range of credit profiles, and the network weighs the whole business, not the score alone.
Can I borrow against my inventory?
Yes. Inventory financing and asset based lending let you borrow against stock on hand, often to fund a large buy ahead of peak season.
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, inventory reports, 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. Inventory and sales based funding can work for younger retailers when stock on hand 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 fixtures 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 Retail Federation: nrf.com
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.