manu // trucking
Trucking
Business Loans
Capital built for how carriers run. Trucks and trailers, fuel and payroll, and the gap until freight pays, funded through one application to a network of 75+ lenders. Powered by National Business Capital.
National Business Capital network figures.
Why Carriers Choose Manu
Financing for trucks, trailers, and reefers, secured by the asset. New and used.
Get paid now on slow invoices instead of waiting 30 to 90 days.
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 Trucking
Programs tuned to how carriers operate:
- Owner-operators and small fleets, for first trucks and growth
- Freight and long-haul carriers, for trailers, reefers, and expansion
- Local and last-mile delivery, for box trucks and vans
- Logistics and brokerage, for working capital and factoring
How You Qualify
Lenders weigh the whole business, not just a score:
- Time in business and revenue
- Truck and trailer value as collateral
- Freight invoices and contracts
- Operating authority and CDL
- Owner credit, as one input among several
A financeable truck or steady freight invoices 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 truck details, authority, or freight invoices 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 truck financing 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 a used truck or trailer?
Yes. Many lenders finance used and auction trucks and trailers, secured by the asset. Terms track mileage, 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, equipment quotes, operating authority, or recent freight invoices.
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 new authority or owner-operator qualify?
Often yes. Truck financing and freight factoring can work for newer carriers when the truck or the invoices 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 heavy 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
- American Trucking Associations: trucking.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.