4.0/5 (809 reviews)
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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 & Cons


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


  • Underwriting fees
  • Not a direct lender

Bottom Line

Biz2Credit is an online lending platform that matches you with the right loan for your business’s needs. It offers quick applications and relatively fast funding. However, fees and rates can be high, depending on the lender.

Top Biz2Credit Reviews


Biz2Credit has made communications and reminders down to a well-oiled machine. I am the president of a small business and ... read an article in the NY Times about Biz2Credit and ...

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Just a top-notch group of guys who really went out of their way to make sure my business kept running and the process itself was painless. It just feels like home when it comes to...

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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:

  1. Create a profile: Start by providing basic business information to help Biz2Credit understand your financing needs. This takes less than a minute.
  2. 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.
  3. Find funding solutions: Once you submit your application, you should get funding options within 24 hours.
  4. 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.

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.

Biz2Credit Reviews

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Page 1 Reviews 0 - 5
Verified Reviewer
Original review: March 15, 2023

I would love to take a moment and share. I am a veteran computer network engineer. My career began "Before" public awareness of the "Internet". I hail from the world of Novell, IBM OS/2 Warp/3270 Gateways/AS400, etc etc. In any case, things in life evolve and we continue to shift. My spouse and I move through some wellness challenges in 2015 and changed our lives. We spent the next 7 years studying Energy, Shamanism, Plants, Pranic Healing, Quantum Physics, etc.

Over the course of 2021 we invested heavily into some new businesses and thus our main business (ArmstrongPSI LLC - **) became the single source of all. Biz2Credit pushed through to assist us with getting some oxygen recently. They have more than amazing in their assistance for us. We have been providing IT support to medical, theatrical, tv & film, Pharma, and a host of other industries to aplomb and thanks to them we can breathe through this transition period and continue to do just that. Thank you Pankaj, Brandon and the rest of the team at Biz2Credit for your assistance with all.

Bradford **

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Verified Reviewer
Original review: Nov. 28, 2022

Great company with great customer service support. Everything that I requested was done fast and accurate with step by step support. Great company to do business with. Don't look any further. This is it!

Biz2Credit response

Hi Daniel! So glad to hear about your great experience with our support team and of course being able to save time and money. Here at Biz2Credit that is the experience we strive to provide our clients everyday. Thank you for your encouraging words and please do not hesitate to reach back out when you are in need of further assistance with your business. Have a wonderful holiday season!

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    Verified Reviewer
    Original review: Sept. 21, 2022

    We are a small restaurant trying to make it through our first year. We’ve had rough luck with Covid and a couple serious health issues. We’ve had nothing but great reviews but haven’t had time to build up operating capital. Biz2Credit helped us with funding to keep us afloat with an interest rate and payback terms far better than what other similar companies were offering. Highly recommended for small businesses that need help. It’s tough as hell to survive. Great to know there’s a company that will work with us without much history on our end.

    Biz2Credit response


    Thank you for sharing your experience with us here! Reviews like yours are the reason why we do what we do. We're glad that we were able to meet your expectations.

    5 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: Sept. 11, 2022

    I’ve had a fantastic experience with Biz2Credit! If you are looking for a lender who can give you results in funding, this is the company. Fast funding and affordable repayment options for us small businesses. The staff is friendly, helpful, professional and responsive. Deepak ** and Neil ** are rockstars. I look forward to growing my business relationship with them.

    Biz2Credit response

    Hello Shari!

    Thank you for sharing your experience with us here! Reviews like yours are the reason why we do what we do. We're glad that we were able to meet your expectations.

    11 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: June 29, 2022

    My experience with them was great. The process was very simple and their rate was agreeable. Also, my rep was very upfront with me about everything and got back to me very quickly via text message or email for any questions that I had. What solidified the reason why I went with them is he explained to me that they were looking to do long-term business with people and that's exactly what I'm looking for. I've been in the lending business for myself a long time. Sometimes I need cash flow. Sometimes I don't. And when I find somebody, I really would like to stick with them. They wanted to continue moving forward with me with whatever future needs my business may have.

    Biz2Credit response

    Hello Becca,

    Thank you for taking the time to give our company a positive review. We are thrilled to hear you had a positive experience using our platform.


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    Verified Reviewer
    Original review: Jan. 3, 2023

    I contacted the business for business loan, but decided not to proceed with them due to the extremely high interest rate and fee. The company then gave my tax return, contact information to other companies without my permission and call and email me day and night. It is a harassment.

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    Verified Reviewer Verified Buyer
    Original review: Dec. 10, 2022

    I have had multiple merchant advance loans with Biz2Credit. Each of which has been paid off in full. Most recently, during this holiday season, business was slow in December. My payments got behind. I was behind approximately $742. Biz2Credit sent UCC letters to individuals who I no longer did business with asking them if they owed me any money, and if they did, to send the money to Biz2Credit. My services are offered on a flat fee basis so I don't have any genuine "receivables."

    As such, Biz2Credit was simply sending letters to old clients who I could potentially do business with again and advising them of the arrears, potentially harming any future business I could do with said parties. I tried to explain this to my account representative and he said, "Well you've done business with them in the past so we are allowed to send them a letter." This statement was incorrect based on the contract. They are allowed to send letters out to people who owe me money, i.e. accounts receivable. They had no list of anyone who owed me money so they sent letters out to old clients and damaged my business and any potential for me to work with those parties again.

    They then sent a letter to my merchant Square and had all transactions held. I agreed to send letter requesting that Square turn over $800 directly to them. The language on their letter said that they wanted the full balance in my Square account. The full loan balance was $5400. The balance in my Square account that was on hold was over $8k. They wouldn't be entitled to the full amount in my account. However, they requested the full balance and have prevented any transactions from being deposited into my business account for over two weeks.

    They have tried to get paid more than they are actually owed from my merchant. They have sent letters to individuals and businesses who do not owe me money and interfered with any potential business relationship I could have with them. When you call the New York office you are transferred to call centers offshore. In response to the UCC letter, there is one individual, Christina **, who is US based, who you can speak with but she doesn't know anything about any files and transfers you back to the offshore team who initiated the fraudulent request for the overage.

    They are fine if you need a quick loan and you are maybe a restaurant or a business with regular daily transactions. If you are a professional service-based business, RUN. They do not understand how you operate, you will not understand the thick accents of anyone you speak with on the offshore team when an issue may arise, they will not take the time to understand the nature of your business or work with you on a resolution, and you will end up with compounded issues. All of the funds in my account are behind held because I was 9 days ($742) behind. The funds are in the Square account to pay and resolve the matter but cannot be released to even pay them BECAUSE OF BIZ2CREDIT. Do not do business with this offshore company unless you absolutely have to. It could make matters worse for your business. My business will likely close before the end of the year because of how they do business. Proceed with extreme caution.

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    Verified Reviewer
    Original review: Sept. 11, 2022

    Biz2Credit was the lender who assisted me with receiving a PPP loan to keep my small business operating during the pandemic. The process was quick and easy, exactly what I needed during this time of uncertainty. I highly recommend them!

    Biz2Credit response

    Hello Kent,

    Thank you for taking the time to give our company a positive review. We are thrilled to hear you had a positive experience using our platform.

    9 people found this review helpful
    Verified Reviewer
    Original review: Aug. 20, 2022

    Biz2Credit made the process of applying for a PPP loan so fluid and efficient. I appreciate the email communication when entering a support request since most business entrepreneurs have busy lives and phone communication may be not the best fit. Their portal provided for detail information on required information and documents to upload. Great service and technology interface.

    Biz2Credit response

    Hello Carlos,

    Thank you for sharing your experience with us here! Reviews like yours are the reason why we do what we do. We're glad that we were able to meet your expectations.

    14 people found this review helpful
    Verified Reviewer
    Original review: Aug. 15, 2022

    Biz2Credit helped us with our PPP loan. The application process was seamless and straightforward. They even notified us when our loan forgiveness was due.

    Thank you, Biz2Credit, for your prompt, excellent, and professional service!

    Biz2Credit response

    Hello Michal,

    Thank you for giving us your feedback. It is great to hear that you used our platform and that it fulfilled your needs.

    19 people found this review helpful
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    Biz2Credit Company Information

    Company Name:
    Company Type:
    Year Founded:
    1 Penn Plaza, Ste. 3101
    New York
    Postal Code:
    United States