Launched in 2007, Biz2Credit is an alternative lending platform that offers direct financing to a wide range of small businesses. The company provides a variety of funding options, such as working capital loans, SBA loans, lines of credit, real estate bridge loans, and traditional business term loans. Since its opening, Biz2Credit has funded more than $2 billion in loans. Biz2Credit's funding ranges from $2,500–$5 million.

Completed in a few minutes, the entire loan application process is secure, efficient, and prices are transparent.

The Good

  • Simple Application Process
  • Quick Funding Time
  • BizAnalyzer Tool
  • Wide Loan Range

Simple Application Process

Biz2Credit has a quick and easy application process that typically takes less than four minutes to complete. Not worrying about a lengthy loan application makes the lending process simple and carefree. 

Quick Funding Time

Once your loan application is complete and you submit the necessary documentation, you can receive funding in as little as one business day. Biz2Credit strives for a quick and easy financing process.

Wide Loan Range

Biz2Credit offers financing options from $2,500 to $5 million. Lending amounts will depend on the business and its qualifications, but it's convenient that Biz2Credit provides a wide range of loan amounts to appeal to many types of borrowers with differing needs. 

The Bad

  • Underwriting Fee or Loan Origination Fee
  • Unknown Requirements

Underwriting Fee or Loan Origination Fee

Biz2Credit states on its website that for the majority of non-banking financing options, you will pay an underwriting fee that can reach up to $400. For banking financing, Biz2credit charges a loan origination fee. However, the fee varies based on the loan type, amount, and multiple other factors. 

Although Biz2Credit charges an upfront fee for its loan products, this is common for most financial institutions. If you want to know the exact fees, you’ll need to reach out to Biz2Credit for a quote.

Besides closing fees, Biz2Credit doesn't charge any other upfront or hidden fees. You’ll only pay a fee after loan approval and once the financing process finalizes. Biz2Credit also provides an individual written agreement regarding the closing fees to be as transparent as possible.

Unknown Requirements

Biz2Credit does not list on its website all of its loan requirements, such as revenue requirements. However, the lender does note that it prefers established businesses that are profitable with two or more years in business and a solid credit history and score. However, Biz2Credit does offer startup loans to certain businesses.

The Bottom Line

With more than a decade of experience, Biz2Credit is an alternative lending platform with banking and non-banking financial services. As the company is not a direct lender, Biz2Credit acts as an online marketplace that provides customers with a nationwide network of lenders to easily offer quotes and pre-qualifications to borrowers. 

The company has a wide range of loan products so customers have multiple options to choose from. Biz2Credit offers quick funding within 24 hours and simple loan applications that take less than four minutes to complete. 

If you’re interested in learning more about the lender and how it compares to other loan service providers, you can find Biz2Credit reviews below.

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Biz2Credit Frequently Asked Questions

What types of loans does Biz2Credit offer?

Biz2Credit is not a lender. Instead of direct lending, we connect qualified business owners who seek financing to a network of best fit lenders based on the type of financing being sought.

Biz2Credit provides lending options including SBA loans, traditional bank loans, business lines of credit, equipment financing, merchant cash advance, unsecured business loans, and business acquisition loans. In addition, we offer special financing programs dedicated to businesses owned by women, veterans, and minorities.

What is Biz2Credit's maximum loan amount offered?

Our maximum loan amount is $1,000,000. However, Biz2Credit helps businesses of all sizes to meet their financial goals. Funding starts at $10,000 and may be requested up to $1,000,000.

What is Biz2Credit's minimum loan amount offered?

Our minimum loan amount is $10,000. However, Biz2Credit helps businesses of all sizes to meet their financial goals. Funding starts at $10,000 and may be requested up to $1,000,000.

How quickly will Biz2Credit transfer funds once the loan application and approval are complete?

You may receive funding in as little as 24 hours. Once a funding application is submitted with all required information and documentation and approved, funding can be received by the requester in 24 hours or less.

What are Biz2Credit's loan requirements for time in business?

Most businesses that qualify for funding have operated for two or more years. However, we use a holistic approach to funding that accounts for a more balanced credit evaluation. Startup loans are available to entrepreneurs who generally have time in business of six months or more.

What if I have bad credit or no credit?

We encourage you to apply. Biz2Credit has funded many customers in similar circumstance because we look at your overall financial picture, not just your credit score.

If I apply for funding, will it hurt my credit score?

Just filling out the application — without uploading any bank statements or other required financial documents — will not affect your credit score. If you then decide to proceed and submit these documents, we will perform a hard pull on your credit report, which may impact your credit score.

Does Biz2Credit charge any fees?

You will never be charged fees for an application submission or for using any business tools on our website. You only pay a fee if your financing transaction closes and you get funded. All fees are clearly explained in a separate written agreement that is shared with you prior to funding.

Is my personal information secure?

Yes. We take your privacy very seriously. All your information is managed securely. We never sell your information to third parties. For more information, view our full privacy policy at biz2credit.com/privacy-policy.

I have more questions. What should I do?

Call our Funding Specialists. They’re available to answer your questions Monday through Friday, 9 a.m. – 6 p.m. ET, and Saturdays and Sundays, 10 a.m. – 6 p.m. If you’re eligible, they can also help you get a loan that’s right for your business. Call them at 888-410-7473.

User Reviews

Star Rating

5.0
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24 Reviews

Review Breakdown

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Sentiment Criteria

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John Hunter

December 9th, 2019 Lawrence, KS DETAILS arrow_drop_down
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They are fast and affordable. Gary W had funds in our account the same day that we signed.

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Reply from Biz2Credit

Dec 12, 2019

Hi John, Thank you for sharing your experience! We're glad we could meet the expectations of your business.

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Jason

November 6th, 2019 Phoenix, AZ DETAILS arrow_drop_down
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I have used Biz2Credit for years, and it helped drive my business growth. They provided loans in a timely manner.

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Reply from Biz2Credit

Dec 23, 2019

Jason, thank you for being the best part of Biz2Credit. We appreciate your feedback and are glad to hear that our service has met your standards year after year.

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Salim Jumma

January 22nd, 2020 Pearsall, TX

Biz2Credit really did helped me and got me the loan, Gary W Thanks for all your help!!!! Look forward to do business long term with your company.......

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smbertha

January 17th, 2020 Flushing, NY DETAILS arrow_drop_down
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Easy and simple process with employees that are very helpful, like Gary W, thanks.

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Mehdi

January 10th, 2020 Bremen, AL DETAILS arrow_drop_down
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Gary and Sam has always been a really helpful in work with us and take if care of our need and they do all they can to help the Coustomer out

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Reply from Biz2Credit

Jan 17, 2020

Hi Medhdi, Thank you for sharing your experience! It's great to hear that we've had such a positive effect on your business. We're always glad to meet the service and funding needs of our clients.

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Towheed Chowdhury

January 10th, 2020 Houston, TX DETAILS arrow_drop_down
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Excellent service . Very much professional.

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Reply from Biz2Credit

Jan 17, 2020

Hi Cory, thank you for your review and for being the best part of Biz2Credit. We're glad we could meet your business funding needs.

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David Cardona

January 9th, 2020 Tomball, TX

We own a small business and needed extra capital to grow our company, Biz2Credit came through with exactly what we needed. I thought the process was going to be a frustrating, but it was quick and easy; Deepak T and Gary W we excellent at communicating every step of the way, and they went above and beyond to get us approved. I highly recommend this company. -David Cardona

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Reply from Biz2Credit

Jan 17, 2020

Hi David, Thank you for sharing your experience! It's great to hear that we've had such a positive effect on your business. We're always glad to meet the service and funding needs of our clients.

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Chander

January 8th, 2020 Fresno, CA DETAILS arrow_drop_down
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Gary W and Gaurav S were great in helping me. Gary really has gone the extra mile each time I have dealt with him.

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Reply from Biz2Credit

Jan 17, 2020

Thank you for your review and for being the best part of Biz2Credit. We're glad we could meet your business funding needs.

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Cory Burns

January 6th, 2020 Houston, TX DETAILS arrow_drop_down
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Very easy process made it super easy!!!!!!!!!!!!!!!!!!!

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Anonymous

January 6th, 2020 DETAILS arrow_drop_down
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Excellent customer service good response

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Reply from Biz2Credit

Jan 17, 2020

Thank you for your review and for being the best part of Biz2Credit.

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Shawn

January 6th, 2020 Culpeper, VA DETAILS arrow_drop_down
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They have always come through for our business!

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Reply from Biz2Credit

Jan 17, 2020

Hi Cory, Thank you for your review and for being the best part of Biz2Credit.

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Jose

December 30th, 2019 Las Vegas, NV DETAILS arrow_drop_down
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Gary W was my Funding Specialist. He made the process easy and quick. He answered all of my questions. I will definitely use his service again for my future funding needs.

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Reply from Biz2Credit

Dec 31, 2019

Hi Jose, Thank you for such positive feedback. We're always glad to help businesses grow.

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Oksana

December 23rd, 2019 Houston, TX

I have been working with Tom for number of years and he goes above and beyond to help me with funding! Tom extremely efficient and knowledgeable, he has helped me grow my business. I highly recommend Tom with Biz2Credit!

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Reply from Biz2Credit

Dec 31, 2019

Hi Oksana, Thank you for sharing your experience! It's great to hear that we've had such a positive affect on your business. We're always glad to meet the service and funding needs of our clients.

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Arun Tandon

December 23rd, 2019 Stafford, TX

Gary and Deepak were extremely helpful and professional.

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Reply from Biz2Credit

Dec 31, 2019

Hi Arun, Thank you for sharing your experience! We're glad we could meet the expectations of your business.

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Ijaz Hussain

December 16th, 2019 Overland Park, KS

He was great to work with and I would like to work with him in the future as well.

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Reply from Biz2Credit

Dec 31, 2019

Hi Ijaz, Thank you for such positive feedback. We're always glad to help businesses as they grow.

Verified Customer

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Joseph

December 15th, 2019 Staten Island, NY DETAILS arrow_drop_down
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Very fast, professional and knowledgeable

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Reply from Biz2Credit

Dec 23, 2019

Hi Joseph, thank you for your review. We know today's business owners move at lightning speeds. We're always glad to meet your funding needs ASAP.

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PRADEEP RAWATE

December 10th, 2019 Chatsworth, CA DETAILS arrow_drop_down
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WORKING WITH BIZ 2 CREDIT WAS A GREAT EXPERIENCE. TOM WAS VERY PROFESSIONAL & SUPPORTIVE THROUGHOUT THE PROCESS. THANK YOU FOR A GREAT DEAL!

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Reply from Biz2Credit

Dec 12, 2019

Hi Pradeep, Thank you for such positive feedback. We're always glad to help businesses grow.

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AT

December 10th, 2019 Rowland Heights, CA DETAILS arrow_drop_down
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Gary is the best! Great service and really fast responses! The whole progress is so smooth and worry free. I’ll come back for them again!!

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Reply from Biz2Credit

Dec 31, 2019

AT, Thank you for sharing your experience! We're glad we could meet the expectations of your business.

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aldo

December 10th, 2019 Tucson, AZ

I have been working with roshan and Deepak. They are the best. I got the fund on time

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Reply from Biz2Credit

Dec 31, 2019

Hi Aldo, thank you for your review. We know today's business owners move at lightning speeds. We're always glad to meet your funding needs ASAP.

history
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Jayne Rock-Gangale

December 9th, 2019 Bloomfield, NJ DETAILS arrow_drop_down
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I was coached through the process with ease and the staff was easily accessible for any questions

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Reply from Biz2Credit

Dec 23, 2019

Hi Jayne, thank you for reviewing our service. We're glad to have met your business funding needs.

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Northside Nephrology,P.C

December 9th, 2019 Cumming, GA DETAILS arrow_drop_down
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Adam L provided excellent Customer service.

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Reply from Biz2Credit

Dec 31, 2019

Hi, Thanks for sharing your experience with us! We're glad to meet your expectations for quality customer service.

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Jazmin

December 9th, 2019 Queens Village, NY

Very good service , Roshan answer all my question clearly .

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Reply from Biz2Credit

Dec 12, 2019

Hi Jazmin, thanks for providing this feedback. We're glad to meet your customer service expectations.

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Jay

December 4th, 2019 Ridgewood, NY DETAILS arrow_drop_down
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Working with Biz2Credit was the best choice for me and my business to get money we needed quickly. Spencer was easy to work with and very professional throughout my application process.

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Reply from Biz2Credit

Dec 23, 2019

Hi Jay, thank you for your review and for being the best part of Biz2Credit. We're glad we could meet your business funding needs.

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Brad Rosenfeld

August 16th, 2019 Brooklyn, NY DETAILS arrow_drop_down
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I was impressed by Biz2Credit becuase they provide fair loan products and seamless transactions.

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Reply from Biz2Credit

Oct 29, 2019

Thank you!

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