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Updated February 8, 2024

Biz2Credit is an excellent source for small business funding because it has relatively low lender requirements and an extensive network of third-party partners to help you grow your small business. Several different types of loans are offered, the application process takes mere minutes, and time to funding is around three days.


  • Biz2Credit requirements are less stringent
  • Large amount of funding available
  • Lower cost with simple interest pricing
  • Long repayment schedule
  • Flexible terms

  • High annual revenue requirement
  • Repayment terms are more frequent than some lenders
Biz2Credit logo
Best Working Capital Loan

What is Biz2Credit?

Biz2Credit helps entrepreneurs and small business owners get financing by offering several funding options, including term loans and working capital loans. Working capital loans are similar to merchant cash advances because your payments are based on your sales transactions. However, unlike a merchant cash advance, working capital loans are considered loans, and repayment terms are typically less stringent than merchant cash advances, which is the case with Biz2Credit.

Through Biz2Credit, you can borrow up to $2M in a working capital loan and repay it within 36 months. Payments are predictable on a daily, weekly, or biweekly schedule. Payment amounts are flexible and depend upon your incoming transactions, so you never pay more than you can afford.

There are minimal fees, including just closing and underwriting fees, that are clearly defined in your terms. Biz2Credit is one of the only online lenders we reviewed that offers simple interest – meaning your price is lower than if you took a loan with compound interest.

biz2credit application process screenshot

Quick application process and time to funding. Source: Biz2Credit website.

Biz2Credit loan requirements

Biz2Credit loans require at least 6 months in business to qualify.

Time in business:
6 months
Annual Revenue:
Credit Score:
Biz2Credit Lender Details
Loan Amounts Time to Funding Repayment Terms
Up to $2M 48 hours Up to 36 months
biz2credit interest rates explained screenshot

Biz2Credit interest rates explained. Source: Biz2Credit website.

What does Biz2Credit offer?

Business Loan Types
Term loan
SBA loan
Line of credit
Invoice financing
Working capital loan
Merchant cash advance
Equipment financing

Other notable Biz2Credit features

  • Dynamic user dashboard
  • Four minute application
  • Virtual CFO
  • Document storage

Biz2Credit application process

You will need the following information to apply for a Biz2Credit business loan:

  • Desired loan amount
  • How long you need the funds
  • Purpose of the funds
  • Annual revenue
  • Time in business
  • Credit score
  • Several months of bank statements
  • Corporate and individual tax returns
  • Balance sheet and/or statement of profit & loss

Biz2Credit Customer Support

New Customer Phone (800) 200-5678
Existing Customer Phone
Customer Support Email Online form
Chat Available
FAQs Available
Knowledge Base Available

Biz2Credit user review highlights

We analyzed 14,590 user reviews about Biz2Credit from two third-party review websites to provide this summary.

Biz2Credit loan reviews indicate that superior customer service is one of the main areas that Biz2Credit stands out. Users report that representatives of the company truly care and put time and effort into ensuring every case is attended to in the best possible way.

Those that have issues with Biz2Credit have complaints that fall into two categories. The first is regarding the application process, which requires a “tiresome” amount of paperwork and documentation, as one reviewer reported. Overall, the process seems to take longer than some users expected. The other main complaint from reviews is that although the fees are explained in great detail, they are deemed pricey by users.

  • Application process – While some users say it is swift and easy, others feel it is lengthy and requires a lot of paperwork.
  • Ease of Use – One major gripe customers seem to have is that it takes several attempts and working with customer service to connect their banks to receive funding. Others say that the overall Biz2Credit login system and portal are slow and clunky.
  • Features – Users appreciate the level of customer service they receive throughout the funding process. Users say that customer service representatives go above and beyond and work to push funding through quickly in cases where urgency is needed
  • Quality of Support – Customer service is what makes Biz2Credit great. Reviewers report that representatives are helpful, thorough, quick to respond, and answer questions in detail. Users often say that they return because the customer service is outstanding.
  • Convenience – While some reviewers say that funding takes longer than expected, Biz2Credit reviews indicate that funding is fast and, for the most part, hassle-free.

Biz2Credit Contact Information

Parent Company:
New York, NY
Year Founded:

Biz2Credit alternatives

Lender Loan Amounts B2B Reviews Score
Biz2Credit Up to $2M 4.75
OnDeck Up to $250k 4.25
QuickBridge Up to $500k 4.5

Biz2Credit Reviews

When we've collected enough reviews for a good sample, we'll publish them here.

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