Working Capital Loans for American Businesses

Working Capital Loans provide short-term financing to cover payroll, inventory, and day-to-day operating expenses. In the United States, qualifying businesses can typically access $10,000 to $5 million through Manu's 75+ lender network, with funding as fast as one business day and no hard credit pull to pre-qualify.

Funding speed for working capital loans depends on the product and lender. Lines of credit and merchant cash advances can often disburse within one business day, term loans and equipment financing typically fund in one to three business days, and SBA loans usually take several weeks due to federal underwriting. Pre-qualifying through Manu's partner application takes about three minutes.

Minimum FICO depends on the product: equipment financing starts at 550, small business loans at 580, lines of credit at 600, and SBA loans at 660. Merchant cash advances and accounts receivable financing have no minimum FICO — they're underwritten on revenue and receivables instead.

Funding amounts range from $10,000 to $10 million depending on your revenue, time in business, and the loan product. Pre-qualifying takes about 3 minutes and shows you exactly what you're approved for.

No. Pre-qualification uses a soft credit check that does not affect your credit score. A hard pull only happens if you accept a final offer from a lender.

To pre-qualify, you'll share basic business info plus your most recent 3 months of business bank statements. To finalize an offer, most lenders ask for 3–6 months of bank statements in total. Larger loans may also require tax returns or financial statements.