Biz2Credit Review

ByBestmoney StaffJan. 07, 2021

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In a Nutshell

Biz2Credit is a small business loan marketplace that connects you with term loans, startup funding, and commercial real estate loans. The company offers a simple and fast application process and its partners typically approve loans within 24 hours.


  • Get approved in 24 hours
  • Financing for new businesses available
  • Excellent customer support


  • High revenue requirements
  • Origination and factor fees

Biz2Credit at a Glance

Direct lender or marketplace? Marketplace
Loan types Term loans, commercial real estate loans, startup financing, Paycheck Protection, Program loans
Loan amount $25,000 - $6 million
Repayment terms 12- 36 months
APR 8.99% and up
Suitable for

Low-interest loans for growing businesses

Biz2Credit Biz2Credit Get Started


Biz2Credit is a lending marketplace for small businesses where you can find term loans, business cash advances, and commercial real estate loans. Biz2Credit uses a simple application to find multiple pre-approved loan offers for your business. Plus, the company has loan advisors at the ready to help you pick the right type of loan for your business.

Biz2Credit has somewhat stringent requirements for term loans, including $250,000 in annual revenue and an 18-month business history. The upside is that you can get interest rates as low as 8.99%. Younger businesses can also take advantage of financing in exchange for a percentage of future profits.

Why Biz2Credit Is Good For Your Business

Biz2Credit is designed to connect growing businesses with the money needed for expansion. What makes this lending marketplace unique is that it caters to a wide variety of businesses. For example, established businesses can choose traditional term loans, while startups can get financing that is repaid with a percentage of future profits. Biz2Credit’s partners typically approve loans within 24 hours and you can receive funds within 3 business days.

Loan Features

Biz2Credit coordinates several different types of loans. Small business term loans feature low interest rates, weekly or biweekly payments, and flexible term options. Startup financing is designed for young businesses that have been around for less than 18 months and can be repaid based on future profits rather than through fixed payments. Commercial real estate loans offer lower interest rates and more funding for businesses that own their own property.

  • Interest rates as low as 8.99%
  • Term loans, startup financing, or commercial real estate loans
  • Get approved in as little as 24 hours
  • Choose from multiple loan offers

Application Process

Biz2Credit offers an online application that takes less than 5 minutes to complete. Just enter details about yourself and your business, and Biz2Credit will instantly display loan options for which you’re already pre-approved.

Once you decide on a loan offer, the lender will run a hard credit check and ask for supporting documentation. Most Biz2Credit partners offer final approval in less than 24 hours and can get funds to you within 72 hours.

How Much Can You Borrow? 

The amount you can borrow through Biz2Credit depends on your business history and how you plan to use your loan. With a standard term loan, you can borrow between $25,000 and $250,000. Startups in need of financing can borrow between $25,000 and $5 million. If your business owns its property, you can use a commercial real estate loan to borrow between $250,000 and $6 million.

  • Requires minimum 660 credit score
  • $250,000 in revenue and 18 months in business for term loans
  • $100,000 in revenue and 6 months in business for startup financing

Repayment Terms

Biz2Credit term loans and commercial real estate loans have a repayment term from 12 to 36 months. Your interest rate will vary depending on your credit history and lender, but Biz2Credit advertises rates as low as 8.99% APR. Payments are weekly or biweekly for term loans and monthly for commercial real estate loans.

If you choose startup financing, your lender takes a percentage of your profits on a daily, weekly, or biweekly basis to pay off your debt. The amount of time it takes to repay your loan will depend on how big the percentage is and how much profit your business makes.

Privacy and Security

Biz2Credit’s website and application is secured with SSL encryption through Entrust. The company has a very comprehensive privacy policy, although it does share details about your business with partners.

Help & Support

Biz2Credit offers support by phone, email, and live chat 5 days a week. The company also offers a business toolkit so you can track your business’s finances and find out how much a loan will cost.

Phone: (212) 644-4555


Physical Address

Biz2Credit Inc.,

1 Penn Plaza, 45th Floor,

 New York, NY 10119


Biz2Credit makes it easy to find the perfect loan or financing offer for your business. This marketplace connects you with lenders who cater to a wide range of businesses who approve loans in as little as24 hours. Biz2Credit offers a simple application, excellent customer support, and high borrowing limits.

Biz2Credit Biz2Credit Get Started

Biz2Credit customer testimonials

ExcellentReviews 9,939
TrustPilot is the world’s most powerful review platform, free and open to all.
  • author
    Katherine Bermudez
    23 minutes ago
    I had no problem with biz2credt

    I had no problem with biz2credt . I would definitely go through them again .


  • author
    Dominique B
    20 minutes ago
    A very disappointed customer

    I submitted my loan application on March 7, 2021 with Biz2Credit and have yet to be funded. I have sent all requested documentation including statements from Uber and Doordash, bank statements, void check, and signed a Yodlee link. I have no idea why I still have not moved forward in the process. Good luck withdrawing your application once it is submitted to Biz2Credit, I can not even move my information to another lender because they refuse to withdraw my application. Lastly, sending them emails are useless as well, because you will never get a response from them or they never contact you back. It is like doing business with a ghost. It is unprofessional and I am very disappointed that nearly six weeks later I still have not moved further in the process.


  • author
    an hour ago
    Take Note!

    Take Note! It wasn't nice on their part for doing what they did to me. This company refused to pay me my earning. I was so sad because I had no other money left. I was advised to contact traderstech . org and I’m glad I did because within a weeks, they were able to get back my funds


  • author
    an hour ago
    PPP 2nd loan application review

    Our CPA recommended we use Biz2credit for our 2nd PPP loan application. We filed middle of Jan and just received funds. It was a process, but Biz2Credit was very helpful during this process. They kept us informed of the status of the application and always answered any questions we had. They were courteous and prompt. We are very satisfied.


  • author
    an hour ago

    Round 1 went smooth with no issues but round 2 has been a huge problem. I signed my closing docs 8 days ago and have not had any other updates or been funded since then. I have emailed repeatedly to multiple people and no one will answer. My funds have been dispersed by the SBA so what is the hold up. This has been a horrible experience this time and I hope they can get it together and make it right.