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Biz2Credit small business loans review

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Get connected with a wide range of business financing, from merchant cash advances to term loans.

Biz2Credit is a lending platform that could be a good fit for small business owners new to the game. Like with any other connection service, it helps business prequalify for financing with multiple lenders at once.


Min. Amount


Max. Amount


Product NameBiz2Credit Small Business Loan
Min. Amount$5,000
Max. Amount$5,000,000
Loan TermVaries by lender
RequirementsVaries by lender. Typically, lenders seek companies that have been in business for at least two years, are profitable and have a good credit history. Some lenders may offer startup loans to new entrepreneurs.
Go to Biz2Credit Inc's website

First, do I qualify?

To Biz2Credit doesn’t offer loans directly, so eligibility requirements can vary widely. Some of Biz2Credit’s partner lenders work borrowers who have bad credit. However, you’ll typically have better luck getting competitive rates if you have good credit, have been in business for at least a year and are cashflow positive.

What is Biz2Credit?

Biz2Credit is an online connection service that offers a wide range of financing types, from SBA loans to merchant cash advances. Through Biz2Credit, your business can apply for financing between $5,000 and $5,000,000 at rates from 3%–36%. In addition to this, Biz2Credit charges an underwriting fee of around $250 to $400 for nonbank loans or a similar closing fee for bank loans. Loan terms vary by lender and loan type.

One of the advantages of using a connection service is that it lets you prequalify with multiple providers at the same time so you can make a quick comparison. You can get started by filling a quick form on its website.

What types of financing can I get through Biz2Credit?

What makes Biz2Credit unique?

Biz2Credit’s focus on the business owner is what sets it apart from other online connection services. In addition to offering a wide range of financing types, it also has programs for specific types of business owners, including women, veterans and Latinos. It also offers financing by industry, including some high-risk businesses like gas stations, restaurants, liquor stores and attorneys.

Loan specialists are available to help field questions that come up during the lending process, and can guide you to making the best decision for your business.

Benefits of a small business loan through Biz2Credit

  • Large amounts available. Financing is available for $5,000 all the way to $5,000,000 to get the capital you need to support your business.
  • Prescreened lenders. All lenders whose offers are presented are prescreened by Biz2Credit to ensure a secure loan that fits the specific goals your business requires.
  • All in one place. You prequalify with multiple lenders and easily compare your offers using Biz2Credit’s streamlined, easy-to-use loan dashboard.
  • Loan options to suit any need. Its partners offer everything from asset-based financing to unsecured business term loans.
  • Self-help tools. A full service Knowledge Center is available through the website including Small Business Lending Index, free webinars, research reports, eBooks, insightful newsletters for small businesses, and more.
  • Security. Biz2Credit’s website is verified by Entrust and encrypts and secures data to keep your information private.

Drawbacks of using Biz2Credit

  • Not a direct lender. Biz2Credit uses your business details to connect you with a suitable lender. This means your information may be shared with multiple companies, and you may receive emails long after you’ve gotten your loan.
  • Little information online. It’s difficult to find basic information about the interest rates, fees and terms on Biz2Credit’s website, which is can also be awkward to navigate.
  • Fees. Biz2Credit charges an underwriting or closing fee of around $250 to $400 if your business gets funded.
  • No loans under $5,000. If you’re looking for a business loan to cover smaller expenses, you’ll want to compare providers with lower minimums.

Compare more business loan providers

Updated January 24th, 2020
Name Product Filter Values Min. Amount Max. Amount Requirements
LoanBuilder, A PayPal Service Business Loans
Annual business revenue of at least $42,000, at least 9 months in business, personal credit score of 550+.
Customizable loans with no origination fee for business owners in a hurry.
National Business Capital Business Loans
Your company must have been in business for at least 6 months and have an annual revenue of at least $100,000.
Get a large business loan to cover your financing needs, no matter what the purpose is.
OnDeck Small Business Loans
600+ personal credit score, 1+ years in business, $100,000+ annual revenue
A leading online business lender offering flexible financing at competitive fixed rates.
First Union Lending Unsecured Long-Term Business Loan
450+ credit score, 3+ months in business, $15,000+ monthly revenue, no open bankruptcies
Unsecured funding and more for all credit types.
Sheer Funding Business Loans
6+ months in business, 550+ credit score, $150,000+ annual revenue, eligible industry
Multiple financing options available for business owners with less-than-perfect credit scores.
Efundex long-term business loans
2+ years in business, 620+ credit score, not a sole proprietorship or nonprofit, strong financial history
Financing for high-risk industries with transparent rates and terms.
Kabbage Small Business Line of Credit
1+ years in business, $50,000+ annual revenue or $4,200+ monthly revenue over last 3 months
A simple, convenient online application could securely get the funds you need to grow your business.
LendingTree Business Loans
Varies by lender and type of financing
Varies by lender and type of financing
Varies by lender, but many require good personal credit, minimum annual revenue and minimum time in business
Multiple business financing options in one place including: small business loans, lines of credit, SBA loans, equipment financing and more.
Lendio Business Loan Marketplace
Must operate a business in the US or Canada, have a business bank account and have a personal credit score of 560+.
Submit one simple application to potentially get offers from a network of over 75 legit business lenders.

Compare up to 4 providers

What does the Internet say about Biz2Credit?

Biz2Credit gets mostly favorable online reviews as of September 2018. It also gets an A+ rating from the Better Business Bureau (BBB) based on factors like transparency and advertising, even though it’s not accredited. Nearly 1,000 customers gave it an average 9.8 out of 10 on Trustpilot — high for a small business connection service.

Customers were mostly pleased with the quality of service at Biz2Credit. Many were also happy with how fast and easy the process was, calling it “smooth” and “efficient.” However, a handful complained about hidden costs and were turned off by some of their marketing tactics.

How to apply for a small business loan through Biz2Credit

You can get started on your application on the Biz2Credit website. Since Biz2Credit doesn’t have any hard eligibility requirements — it offers such a wide range of loans, the easiest way to find out if your business is eligible is by filling out the application to prequalify:

  1. Go to the Biz2Credit website and enter how much you want to borrow, how you want to use the funds and time in business before hitting Get Started.
  2. Select your personal credit score range and business’s annual revenue. Then enter your name, email and phone number before clicking Get Your Rate.
  3. Go to your email inbox and open the email from Biz2Credit. Click the link to log in using the username and password Biz2Credit provides.
  4. Click Apply for Funding to access your business loan application.
  5. Follow the directions to complete and submit the application, uploading any required documents.

You can view your potential offers by logging in and visiting your dashboard. If any stand out to you, Biz2Credit will give you directions on how to complete the application. It can take anywhere between 24 hours and two weeks to get your funds, depending on your loan type and lender.

What documents do I need to apply?

Since Biz2Credit offers such a wide range of financing, there’s no one list of documents that every business must submit. However, almost all business loans require at least three months of bank statements and your most recent business and personal tax returns.

I got a loan through Biz2Credit. Now what?

What happens next also depends on your lender. Since Biz2Credit is a connection service, you won’t be working with it anymore. Ask to sign up for autopay if it’s an option. That way, you won’t have to take time out of your day to make repayments each time it’s due.

Check in on your account regularly. If you have any questions or concerns, reach out to customer service as soon as possible.

Bottom line

Biz2Credit is a simple, clean way to find a business loan. Its strong customer service and wide range of financing options could make it ideal for business owners new to borrowing. However, its fees and lack of online transparency might make you want to use another service with similar offers. You can visit our business loans guide to learn about even more financing options.

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  1. Default Gravatar
    July 12, 2019

    Overdraft privalege was provided by bank, and therefore monthly bank statement are negative on most of the days, with a owner credit score of 710 with credit usage of 73%, will that business will be still able to get funding (I know every situation varies, in past most of the lender decline to funding )

    • Avatarfinder Customer Care
      July 13, 2019

      Hi Mikemike,

      Thanks for leaving a question on our page.

      710 is a good credit score and you can find more information on what a good credit score entails on this page. In regards to getting funding for a business, your eligibility is dependent upon how you match the requirements of the lender.

      As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.


  2. Default Gravatar
    February 27, 2017

    Are there lenders who will finance my start up business/franchise if I am not currently employed?

    • Avatarfinder Customer Care
      June 27, 2017

      Hi Johnny,

      Thanks for your question.

      The lenders on this page may consider you for a loan. Kindly review the eligibility criteria of the loan before submitting your application.


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