Apply Now

About Manu Business Capital

Manu is a San Antonio-based small-business loan partner. Our partner application gives owners access to a 75+ lender network with real, competitive offers. We exist to make business capital faster, more transparent, and easier to compare.

Founder

Malik Samara

Founder, Manu Business Capital

Malik Samara is the founder of Manu Business Capital, a small-business loan partner whose 75+ lender network funds U.S. business operators through one partner application. He oversees the editorial accuracy of every programmatic page on the site, validating loan-product criteria against current lender requirements.

Connect on LinkedIn

Our mission

When a small business needs capital, the difference between the best offer and the worst offer can be tens of thousands of dollars. Most owners don't have time to apply to 10+ lenders one-by-one to find out. Manu fixes that. One partner application is shopped across our 75+ vetted lender network — banks, credit unions, online lenders, SBA-preferred partners, and specialty equipment/invoice financiers — and we surface the offers that actually fit the business.

How Manu makes money

Manu is a loan partner, not a direct lender. We don't charge applicants any fees. When a business accepts a funded offer through Manu's partner application, Manu earns a referral fee from our nationally-licensed lending partner. This compensation does not change the rate or terms you receive — lenders quote you the same pricing they'd quote directly. Our incentive is aligned with yours: we only earn when a business actually funds.

Editorial standards

Lending is a "Your Money or Your Life" topic — bad information can hurt real businesses. Every programmatic page on this site follows these rules:

  • Loan-product criteria are reviewed against current lender requirements. Minimum FICO, time-in-business, revenue thresholds, funding speed ranges, and term lengths are validated against active lender partners — not generic industry averages.
  • No invented statistics. Numbers like "75+ lenders," "$10K to $10M," and "24–72 hour funding" reflect Manu's actual partner lender network and its historical funding speeds. Industry-wide claims are linked to primary sources (SBA, Federal Reserve, BLS, CFPB).
  • No undisclosed AI content. Programmatic page templates are written by humans, fact-checked by humans, and use industry/geography data to assemble unique pages — they are not AI-generated free-form content.
  • Honest disclosures. The affiliate relationship is disclosed near every CTA, not buried in the footer.
  • Corrections. If you spot inaccurate information on any page, email info@meetmanu.com and we will review and correct it within 5 business days.

Recent funded deals

The following are illustrative, selected funded examples from the last 12 months — they are not representative of typical outcomes, and we chose them to show the range of deal types the network handles. Borrower names and identifying details are anonymized at their request. Loan sizes, rate ranges, terms, and time-to-funding reflect the actual deals as funded; comparative claims (e.g., versus a captive-lender or local-bank quote) are reported by the borrower and are not independently verified.

  • HVAC contractor — Texas

    $85,000 equipment loan for two replacement service vans and rooftop diagnostic tooling. 60-month term, fixed rate in the low-double-digits, funded in 4 business days. The owner had been quoted a 30% higher monthly payment by the dealer's captive lender.

  • Multi-location restaurant group — Florida

    $250,000 line of credit opened ahead of a third location buildout, drawn against to bridge tenant- improvement costs while the SBA 7(a) closing finished. 18-month revolving term, drawn at ~14% APR, approval in under 48 hours.

  • Specialty manufacturer — Ohio

    $1.2M SBA 7(a) loan to acquire a competitor's book of business and the inventory that came with it. 10-year term, prime + 2.75% variable, funded in 52 days from application — faster than the borrower's local bank quoted for the same package.

  • Logistics & trucking firm — Georgia

    $180,000 invoice-factoring facility against receivables from three national-account shippers. 85% advance rate, 1.8% factor fee on a 30-day average turn, set up in 6 business days. Smoothed payroll during a slow January and removed an ongoing line-of-credit draw.

  • Dental practice — California

    $420,000 equipment + working-capital package for a CBCT scanner, two operatory chairs, and 90 days of staffing reserve. 84-month equipment term plus a 24-month working-capital tranche, funded in 9 business days. Deal required pairing two lenders from the network — coordinated in one application.

These are selected examples and are not typical of all applicants. Past funding outcomes are not a guarantee of future results. Approvals, rates, and terms depend on the lender, your business profile, and current market conditions. Most applicants will see different rates, structures, and time-to-funding than the deals shown above.

How lender partners are selected

Manu's 75+ lender network is curated, not open. To be added to the network, a lender must: (1) be a licensed commercial lender or registered finance company in the states they operate in, (2) quote real rates and terms within 1 business day of receiving an application, (3) maintain a complaint resolution process for borrowers, and (4) commit to no hidden fees on the offers they extend. Lenders that fail to meet these standards are removed from the network.

Contact

Ready to see your offers?

Apply once. Get matched with lenders that fit your business. No hard credit pull.

Apply Now