Biz2Credit Reviews

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Updated Apr. 20, 2026

By: Lorraine Roberte

+1 more

Edited by: Jordan Potenza

About Biz2Credit

Biz2Credit is an online lending platform. While not a direct lender itself, the company uses your online profile to match you with a lender that suits your needs. It offers an easy application process that takes as little as four minutes. Biz2Credit can help you find loans from $25,000 to $6 million. You can receive a decision in as little as 24 hours and potentially get funded in 72 hours.

Pros

Works with all types of businesses
Apply in 4 minutes
Get funds in as little as 72 hours

Cons

Underwriting fees
Not a direct lender

Helpful Reviews

AlannaNewport Beach, CA

Verified purchase

I recently received funding with Biz2Credit for my Construction Company (Innovative Craftsmanship, Inc.) in Orange County, CA and I couldn't be more pleased with the experience. F...

rafaelSpring Hill, FL

Verified purchase

I’m going to share my experience so that others don’t make the same mistake. This company sells your private information to third parties, they steal your information and then sell it.

What is Biz2Credit?

Biz2Credit is a lending platform designed to help business owners find loans no matter the project or industry they’re involved in. Along with lending options, Biz2Credit provides business owners with a wealth of free support. This includes a large knowledge center and business tools to make financing more understandable and approachable.

How does Biz2Credit work?

Biz2Credit has a simple process:

Create a profile: Start by providing basic business information to help Biz2Credit understand your financing needs. This takes less than a minute.
Submit your application: Answer a few questions and provide some business documentation. You can do this with PDFs or by connecting your business bank account. This takes about four minutes.
Find funding solutions: Once you submit your application, you should get funding options within 24 hours.
Get funded: Once you’ve reviewed your options and chosen one, you can receive your funding. Depending on the type of loan, you can get funded within 48 hours of final approval.

Biz2Credit products

Biz2Credit offers three main funding options for business owners:

Working capital is good for fast financing, and you can get from $25,000 to over $2 million. Most businesses looking for working capital have annual revenue of over $250,000, a credit score of 575 or higher, and at least six months in business. Flexible payments are available, giving you the option of daily, weekly or bimonthly payments from your business receipts. Approval is available in 24 hours or less.
Term loans offer stability so you can grow your revenue over time. You can apply for loan amounts between $25,000 and $500,000 with rates starting at 7.99%. This loan is suitable for businesses that have been operating for at least 18 months, have a credit score of 660+ and have annual revenue of $250,000 or more. Repayment terms are available for 12, 18, 24 and 36 months, with weekly, monthly or bimonthly payments. Approval is available in 24 hours or less.
Commercial real estate loans are secured by the equity in your commercial real estate. Loan amounts are available from $250,000 to $6 million with rates starting at 10%. These loans are good for customers who have been in business for at least 18 months, already own commercial property, have a 660 credit score or above and have annual revenue of at least $250,000. Terms are available between 12 and 36 months with monthly payments. You can be approved in 30 days or less.

Biz2Credit rates

Rates available through Biz2Credit depend on several factors, like your credit history, how soon you need the money and what funding option you choose. Interest rates for term loans start at 7.99%, and rates for commercial real estate loans start at 10%.

There are no application or submission fees through Biz2Credit. That said, you may have to pay closing fees and an underwriting fee that’s typically between $250 and $400. All fees are clearly laid out in a written agreement before funding.

Biz2Credit FAQ

What types of loans does Biz2Credit offer?

Biz2Credit offers business loans. The company can arrange:

SBA loans
Traditional bank loans
Business lines of credit
Equipment financing
Business acquisition loans
Commercial real estate loans
Refinancing
Merchant cash advances
Special lending programs for veterans, women and minorities

How long does it take to get a loan from Biz2Credit?

For working capital and term loans, Biz2Credit can get funding to you in as little as 72 hours after starting your application.

How much money can I borrow from Biz2Credit?

The amount of money you can borrow from Biz2Credit depends on the type of loan you’re choosing:

Working capital can provide $25,000 to over $2 million.
Term loans can provide $25,000 to $500,000.
Commercial real estate loans can provide $250,000 to $6 million.

Is Biz2Credit SBA-approved?

The Small Business Administration has approved Biz2Credit’s lending affiliate for its Paycheck Protection Program.

Biz2Credit can also help businesses find SBA-approved funders for SBA loans.

Still have questions?

Is Biz2Credit legit?

Biz2Credit is a legitimate lending platform that can help you find the right loan for your business. Biz2Credit doesn't give out loans directly, but it can match you with an appropriate lender. The application process can take as little as four minutes, and you can receive funding 72 hours after that. Just make sure the fees and interest rate you agree to are reasonable. We recommend shopping around to see what options are available to you so you can make an educated decision.

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