We receive advertising fees from the brands we review that affect the ranking and scoring of such brands.
Advertiser Disclosure

Biz2Credit Reviews


bestfor-icon Flexible Terms and Quick Funding.

Written by Ali Rivzi

About Biz2Credit | Read More


LS Score







Visit site
Opening Hours Opening Hours drop-down-btn
Mon - Sat 8:00 AM - 9:00 PM
Sunday Closed
Contact Information Contact Information drop-down-btn
  • info@biz2credit.com
  • (800) 200-5678
  • Headquarters: 1 Penn Plaza, 31st Floor, New York, NY 10119
Social Media Social Media drop-down-btn

Biz2Credit Business Loans Review

Biz2Credit understands the need for flexibility in small businesses and the challenges entrepreneurs face in the early years of their business. Therefore, Biz2Credit offers a variety of financing products including but not limited to term loans, working capital and CRE loans.

Biz2Credit Business Loans Highlight


Min Credit Score

Min 7.99%

APR. Fixed Rate


Loan Amount

12-36 months

Repayment terms


Soft Credit Pull


Lender Type

$250-$400 underwriting fees

Other Fees

Yes, undisclosed

Origination Fee


Prepayment Fee

72 Hours

Funding Time


Annual Revenue

24+ Months

Time in Business

Pros & Cons

  • con-icon Funding available within 24 hours.
  • con-icon Variety of financing options available.
  • con-icon Supports businesses with potential and robust revenues.
  • con-icon May be an expensive option due to fees.
  • con-icon Every state may not have the same financing options.
  • con-icon No live chat option on their website.

Business Loan Types

  • SBA Loans
  • Business Line of Credit
  • Business Term Loan
  • Working Capital Loans
  • Equipment Financing
  • Short-Term Business Loan
  • Merchant Cash Advances
  • Commercial Real Estate Loans

Biz2Credit Business Loans Terms & Requirements

Terms and requirements can vary depending on the loan size and type. Most borrowers will need a good credit score with at least 6 months of revenues (2 years recommended). Bankruptries, foreclosures, and tax liens can disqualify borrowers. Their loans can be costly due to fees, but are quickly available. Business loans are unsecured and collateralized, meaning that the borrower may be personally liable if the business were to default on the loan.

Biz2Credit offers a variety of financing products including term loans, working capital and CRE loans, SBA loans, traditional bank loans, business lines of credit, equipment financing, business acquisition loans, commercial real estate loans, refinancing and merchant cash advances for small business owners. *Not all financing products from Biz2Credit are classified as loans.

How to Apply

To apply simply go to the Biz2Credit website and on the homepage and click “apply now”. That should take you to a short application which requires information about you and your business. The application will take 3-4 minutes to complete and you should hear back from a loan specialist within 24 hours.

Qualification Requirements

Credit score & credit history Minimum score of 580; Bankruptries, foreclosures, and tax liens can disqualify borrowers.
Minimum age of business 2 years recommended
Minimum annual revenue $100,000 recommended, can have exceptions depending on business model, industry etc..
Minimum age of borrower N/A
Citizenship/residency Proof of residency required


Required Information

Biz2Credit has an online application that should only take roughly 3-4 minutes. It requires personal and business information, including but not limited to name, address, contact details, financial statements, social security number, annual revenue and time in business.  If you submit proper documentation, Biz2Credit can approve your application and provide funding, in as little as 24 hours.

Required documents

  • None specifically listed; but may include P&L statements, revenue reports, tax returns, bank statements.


Application Steps & Time Frames

  • Fill out the application (3-4 minutes), attach all relevant business documents.
  • A specialist will contact you to verify details, ask for any additional documents within 24 hours, and provide the application decision.
  • Receive funding within 72 hours.
  • Biz2Credit is fast and efficient in evaluating eligibility and providing funding.

State Availability

Available - Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming,

Not Available - Nevada, North Dakota, Rhode Island, South Dakota, Vermont,

Written by Ali Rivzi linkedin-icon

Ali Rizvi is a published author, financial analyst, and market researcher. He's passionate about providing in-depth insights and analysis in the finance and blockchain industries. With a Bachelor's in Finance from Purdue University and a background studying abroad at the University of Cambridge, he brings a wealth of knowledge and expertise to the table.



What loan options are available at Biz2Credit?

Various financing products are available through Biz2Credit including term loans, working capital and CRE loans, SBA loans, traditional bank loans, business lines of credit, equipment financing, business acquisition loans, commercial real estate loans, refinancing and merchant cash advances for small business owners. *Not all financing products from Biz2Credit are classified as loans.

How quickly is financing available?

If applicants have provided appropriate documentation and information, they can receive financing in as little as 24 hours.

How much financing is available?

Biz2Credit can arrange funds between the amounts $6,000 to $6,000,000. Typically between 75% and 125% of your business monthly deposits.

Customer Support

Biz2Credit has a contact form on their website, a phone number, and a customer service email you can use. The company is located in New York, and they have standard business hours from 9am to 6pm EST, Monday through Friday.

Biz2Credit is incredibly responsive through all points of contact listed on their website, in most cases with a specialist reaching out to you within 24 hours.

Privacy & Security

Biz2Credit is a reputable business with 4.5 out of 5 stars on Trustpilot and over 14,000 customer reviews. It has a slightly lower rating on BBB with 3.67 stars.

Most positive reviews indicate quick funding, excellent customer service, and a straightforward user experience. Others praise the company for its extensive collection of free educational resources, which are available on the website. Some negative reviews mention a confusing application process.

In terms of the website and application itself, both are secure. Biz2Credit has a team of software engineers, quality analysts, and security experts who regularly monitor the security of the platform. They also adhere to standard safety and privacy criteria, which helps keep consumer data confidential.

Biz2Credit is also transparent in how it gathers, uses, and discloses consumer information. The company does require users to give sharing permission with its third-party business partners and lenders to help find the best financing solution.

Overall, this company does take user security and privacy seriously, whether you’re borrowing directly from them or not.

In Conclusion

Ultimately, Biz2Credit is an excellent option for businesses and entrepreneurs that would like flexible loan options, within $6,000 to $6,000,000. They offer competitive rates, transparent pricing and a helpful support team to help you achieve your goals.

Brand Disclaimer

Biz2Credit Disclosure: By accessing or applying for Business Finance Services from Biz2Credit relating to your potential business funding or other business financing products, you expressly accept and agree to both our Terms of Service and the Business Finance Services Terms & Conditions. The rates and terms and conditions here in are not a commitment or guaranty by Biz2Credit Inc. or any of its affiliates to provide financing, and are subject to change at any time. Not valid in all states. All products and services are subject to eligibility and other conditions and restrictions. Biz2Credit Inc. is not a lender. All terms and conditions and credit decisions are at the sole discretion of the lender. Offered for commercial uses to businesses only. Other terms, conditions, fees and restrictions may apply.