Biz2Credit Review 2023 (2023)

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Who Biz2Credit Is Best For

Biz2Credit is best for business owners who are:

  • Looking for a commercial mortgage with interest-only repayments
  • Want a loan with more frequent repayment options than once per month
  • Are short on time and don’t care if they have to pay slightly higher rates or fees

Who Biz2Credit Isn’t Right For

Biz2Credit may not be right for business owners who:

  • Are not as picky about how quickly you get funding
  • Are looking for the lowest rates and fees on your financing
  • Are looking for a commercial mortgage with a long term length
  • Want to stick with a lender that offers more financing options

Featured Partner Offers



Loan amounts

$5,000 to $250,000


Start at 29.9%

Minimum credit score


(Video) Biz2Credit Reviews- Is Biz2Credit PPP Still Around? Watch This Before You Biz2Credit Login



Loan amounts

$6,000 to $250,000


As low as 6.2%

Minimum credit score


(Video) Biz2Credit Review: Get Working Capital and Commercial Real Estate Loans of up to $6 Million



Learn More

On BlueVine's Website


National Funding

Loan amounts

$5,000 to $500,000


Buy rates start at 1.10%

Minimum credit score


(Video) Biz2Credit Small Business Lending Index - January 2023


National Funding

Learn More

On National Funding's Website

What Biz2Credit Offers

  • Working capital loans: These are loans for short-term business needs like making payroll or buying supplies. They are paid back using a percentage of your sales via daily, weekly or bimonthly payments.
  • Business term loans: Term loans offer steady, predictable payments in order to borrow money you can use for everyday business operations.
  • Commercial real estate loans: You can use these loans to purchase a new building for your business, renovate an existing location or refinance an existing real estate loan.

Biz2Credit Business Loan Details

Working Capital Loan

Biz2Credit’s working capital loans are designed more like merchant cash advances (MCAs). You’ll receive a lump sum, and in exchange, you’ll make frequent repayments based on a percentage of your sales. Thus, there’s no set term length; how long it takes you to repay your loan depends on how much you make in sales.

Working Capital Loan
Loan amount$25,000 to $2 million or more
APRThere are no fixed payback terms and rates are stated in simple interest terms because this is revenue-based financing
TermsN/A; depends on your revenue
Repayment scheduleDaily to biweekly
Fees$250 to $400 underwriting fee
(depending on deal size)
AvailabilityMay be restricted in North Dakota, South Dakota, Nevada, Rhode Island and Vermont
Funding speedUp to 72 hours

Term Loan

Biz2Credit’s business term loans also feature frequent repayments. Unlike most term loans, which are paid back in monthly installments, you’ll need to make weekly or biweekly payments with a Biz2Credit term loan. This can be a good option if you’re looking to make smaller, more frequent payments to fit in your budget, for example.

Term Loan
Loan amount$25,000 to $500,000
APRStarts at 7.99%
Terms12 to 36 months
Repayment scheduleWeekly or biweekly
Fees$250 to $400 underwriting fee
AvailabilityMay be restricted in North Dakota, South Dakota, Nevada, Rhode Island and Vermont
Funding speedUp to 72 hours

Commercial Real Estate

If you’re serious about paying off a commercial real estate loan quickly or are financing a relatively small project, this might be a good loan for you since the maximum term length is a mere three years. You also can opt for interest-only payments to keep your monthly payments low, but this typically means you’ll face a big balloon payment at the end. That can be hard for a business to pay off, so proceed with caution.

Commercial Real Estate
Loan amount$250,000 to $6 million
APRStarts at 10%
Terms12 to 36 months
Repayment scheduleMonthly
FeesUndisclosed origination fee; $250 to $400 underwriting fee
AvailabilityMay be restricted in North Dakota, South Dakota, Nevada, Rhode Island and Vermont
Funding speedAs soon as three days after applying

How to Qualify for a Biz2Credit Business Loan

Biz2Credit offers loans through its subsidiary company, Itria Ventures, LLC. If it’s not able to fund your loan, it may match you up with other partner lenders, who may have different business loan requirements.

In general, these requirements typically include information from an applicant’s credit profile and other factors that demonstrate the ability to repay the loan, such as business revenue. Meeting the requirements below won’t guarantee approval, but they can help you decide if a business loan is the right fit for you.

Personal Credit Score

Some of Biz2Credit’s products require a higher minimum credit score than others. If you’re interested in a working capital loan, you’ll need a credit score of at least 575. For business term loans and commercial real estate financing, you’ll need a credit score of at least 660.

Time in Business

Minimum time-in-business requirements vary depending on loan type. Working capital loans require you to have been in business for at least six months. For commercial real estate loans and business term loans, you’ll need to have been in business for at least 18 months. Even though these are the minimum requirements, Biz2Credit recommends having at least two years time in business in order to have the best chances of approval.

(Video) Biz2credit Review ($25k-$6m For You?) Best Small Business Funding Options And Fast Funding?

Annual Revenue Requirements

To apply for financing through Biz2Credit, your business will need a minimum annual revenue of $250,000, regardless of which product you’re applying for. This is high compared with other lenders and will exclude a lot of smaller businesses.

How to Apply for a Biz2Credit Business Loan

Like many other alternative small business lenders, applying for a loan is relatively easy compared with more traditional sources of financing. Here’s what you can expect:

  1. Create a business profile. You’ll need to enter in some basic information about your business, including your contact information, annual revenue, time in business, your credit score and the details about the type and amount of financing you’re seeking.
  2. Complete your application. You’ll need to submit some documents along with your application. Biz2Credit doesn’t specify what these are, but most lenders will need things like your most recent bank statements, most recent business tax return and current profit and loss statement.
  3. Chat with a funding specialist. Someone from Biz2Credit will reach out to you to go over your application, ask for any additional documents or information and make sure you’re applying for the right financing.
  4. Get a decision. You’ll be notified within a day whether you’ve been approved. If you are approved, you’ll need to confirm your bank account details to make sure the money is deposited in the right place.
  5. Receive funding. You’ll see the money deposited into your account as soon as 48 hours after approval.

Customer Reviews

Customer reviews for Biz2Credit are a bit scattershot. The company has a rating of 4.6 out of 5 stars on Trustpilot, based on over 14,000 reviews. On the Better Business Bureau (BBB) website, the company has a 3.66 out of 5 stars.

The BBB has given it a “D” rating, based partially on the fact that people have made over 1,500 complaints about the business in the past three years. Only 136 complaints have been filed in the past year though, so the business appears to have either improved its customer service and/or reduced the number of loans it gives out.

Alternative Option: Biz2Credit vs. Lendio

Lendio is a strong contender for your business compared to Biz2Credit. It offers more types of loans that you may need, such as SBA loans, lines of credit and equipment financing, among others. Further, it offers a wider range of options for most of these products.

For example, if you take out a commercial mortgage with Biz2Credit, you’ll need to repay it within one to three years and pay a minimum of 10% interest—quite expensive, and quite a short amount of time to pay it off. Lendio, on the other hand, offers a more traditional commercial mortgage with term lengths ranging from 20 to 25 years, and rates as low as 4.25%.


We reviewed Biz2Credit based on 16 data points in the categories of loan details, loan costs, eligibility and accessibility, customer experience and the application process. We rated Biz2Credit based on the weighting assigned to each category:

  • Loan cost: 35%
  • Loan details: 25%
  • Customer experience: 20%
  • Eligibility and accessibility: 10%
  • Application process: 10%

Within each major category, we also considered several characteristics, including available loan amounts, repayment terms and applicable fees. We also looked at minimum credit score and time in business requirements and the geographic availability of the lender. Finally, we evaluated Biz2Credit’s customer support tools, borrower perks and features that simplify the borrowing process—like online applications, prequalification options and mobile apps.

To learn more about how Forbes Advisor rates lenders, and our editorial process, check out our .

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Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.


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