Lender review
Biz2Credit Business Loans, Reviewed
A large marketplace lender offering revenue based financing up to $6 million, with a lower bar for its most accessible product.
Lender review
A large marketplace lender offering revenue based financing up to $6 million, with a lower bar for its most accessible product.
Biz2Credit has lent more than $8 billion to over 200,000 small businesses since 2007 through a network of 75 plus partner lenders. Its revenue based financing is the most accessible entry point, reachable at a 575 credit score and 6 to 12 months in business, while its term loans, lines of credit, and commercial real estate loans require a stronger 650 or higher score and a full year or more of history. The tradeoff for the high loan limits is a $250,000 annual revenue bar on most products.
Biz2Credit connects businesses to term loans up to $2 million, revenue based financing up to $6 million, a line of credit, commercial real estate loans, and SBA loans, all through a single application.
What makes Biz2Credit stand out is scale. With a network of more than 75 partner lenders and over $8 billion funded since 2007, it can offer loan limits that most single lenders on this network cannot match, particularly on its revenue based financing and commercial real estate products.
Prequalify in minutes without affecting your credit score.
Exact rates and loan amounts vary by product and by applicant; see the product breakdown below for details on each one.
One application is evaluated against Biz2Credit’s full lineup and its network of 75 plus partner lenders.
| Revenue based financing | Up to $6 million, repaid as a share of revenue. The most accessible product, reachable at a 575 credit score and 6 to 12 months in business. |
| Business term loan | Up to $2 million, repaid over 12 to 36 months. Requires a 650 or higher credit score, 18 months in business, and $250,000 in annual revenue. |
| Business line of credit | Revolving credit requiring a 650 or higher credit score and $250,000 or more in annual revenue. |
| Commercial real estate loan | $250,000 to $6 million for purchasing or refinancing business property, requiring existing equity in commercial real estate. |
| SBA loans | Government backed loans with longer terms and lower rates, available through Biz2Credit’s partner network for qualifying businesses. |
Rate, term, and amount figures are set per applicant during underwriting.
Biz2Credit’s requirements vary sharply by product, with revenue based financing acting as the accessible entry point.
Revenue based financing requires a 575 or higher credit score. Term loans, lines of credit, and commercial real estate loans require 650 or higher.
Revenue based financing requires 6 to 12 months in business. Term loans require 18 months, and commercial real estate loans prefer 2 or more years.
Biz2Credit looks for at least $100,000 in annual revenue for revenue based financing, and $250,000 or more for its other products.
One application is matched against Biz2Credit’s own products and its network of partner lenders, and you receive an offer conditional on final documentation.
The application runs online and links your business bank account through a secure third party service.
Submit Biz2Credit’s application in a few minutes. There is no fee to apply or create an account.
Biz2Credit evaluates your file against its own products and its network of 75+ partner lenders, then returns a conditional offer.
Accept your offer and submit final documents. Most loans fund within a few days, with some as fast as 24 hours.
Revenue based financing up to $6 million and term loans up to $2 million give room to scale beyond what most single lenders offer.
75+ partner lenders evaluated from one application increases your odds of a match.
Revenue based financing’s 575 credit score minimum is well below the 650 bar on Biz2Credit’s other products.
There are no fees to apply, create an account, or use Biz2Credit’s business tools before you are funded.
Over $8 billion funded to 200,000+ small businesses backs up its scale and track record.
Term loans, lines of credit, and commercial real estate loans require a 650 or higher credit score and 18 months in business, well above the revenue based financing bar.
Most products require $250,000 or more in annual revenue, ruling out many smaller businesses.
A $250 to $400 underwriting fee is charged when your loan closes, on top of whatever rate you are offered.
Biz2Credit funds some products directly and also matches businesses to a network of 75+ partner lenders, all through a single application.
Revenue based financing requires a 575 or higher credit score. Term loans, lines of credit, and commercial real estate loans require 650 or higher.
Approvals can come within 24 hours, with most loans funding within a few days and some as fast as 24 hours.
Biz2Credit offers revenue based financing up to $6 million, term loans up to $2 million, a business line of credit, commercial real estate loans, and SBA loans.
Revenue based financing requires 6 to 12 months in business, a 575 or higher credit score, and $100,000 or more in annual revenue. Other products require 18 months in business, a 650 or higher score, and $250,000 or more in annual revenue.
No. Prequalifying with Biz2Credit does not affect your credit score.
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