Biz2Credit Review: Easy to Qualify – But Hidden Costs (2026)
Biz2Credit business loans isn't available on Finder right now.
- Min. Amount
- $250,000
- Max. Amount
- $6,000,000
- APR
- Not disclosed
Our verdict
Revenue-based financing that’s easy to qualify for, but costs are undisclosed.
Biz2Credit offers several types of business funding, such as term loans, lines of credit and commercial real estate loans, but their most popular product is revenue-based financing. Qualifying requires a 650+ credit score, 12 months in business and $250,000 in annual revenue. The application process is simple, but the cost may be higher than borrowing from a traditional lender.
Best for: Small businesses with strong revenue that can handle frequent repayments.
Pros
-
Low minimum credit score requirement
-
Easy application process and fast funding
-
Multiple types of financing available
Cons
-
Underwriting fee of $250 to $400
-
APRs & factor rates aren’t published and may be high
-
Daily or weekly repayments required for revenue-based financing
Is Biz2Credit legit?
Yes, Biz2Credit is a legitimate company. Founded in 2007, it has since lent more than $8 billion to over 200,000 small businesses across the country. Biz2Credit uses encrypted connections during the application process and has borrowers link their business bank account through a secure third-party service.
Though it isn’t accredited by the Better Business Bureau (BBB), it has an A+ rating on the site plus a 4.7-star rating from past customers on Trustpilot. But in March 2024, the FTC settled a case with Biz2Credit over misleading PPP loan-processing claims and required the company to pay $33 million in damages. The order prohibits the company from using similar misrepresentations in the future.
What makes Biz2Credit shine?
- Flexible approval criteria. Accepts credit scores of 575+ and businesses with as little as 12 months in operation.
- Wide industry compatibility. Works with many industries, giving more businesses a chance to qualify than lenders with narrow requirements.
- Fast online application. Takes only a few minutes, with approvals in as little as 24 hours.
- Quick funding. Most loans are funded within a few days, much faster than the multi-week timelines typical with banks. Though some online lenders offer same-day business loans.
- Multiple financing options. Offers revenue-based funding, term loans, lines of credit and commercial real estate financing.
- High loan limits. Borrow up to $6 million, giving established and growing businesses room to scale (though some online business lenders offer higher limits of $10 million or more).
Where Biz2Credit falls short
- No transparent pricing. Biz2Credit doesn’t publish APRs or factor rates, making it hard to compare true costs with other lenders.
- Potentially higher costs. Revenue-based financing can lead to higher effective APRs than traditional term loans or bank financing.
- Frequent repayment withdrawals. Repayment can also be demanding. Biz2Credit’s revenue-based financing requires daily or weekly withdrawals from your business bank account, which could put a strain on your cash flow.
- Added fees. An underwriting fee of $250 to $400 may apply, increasing your overall borrowing cost.
- Not ideal for predictable payments. Businesses wanting clear APRs, monthly payments or fewer fees may be better off with other sites like Biz2Credit or options in our business loans guide.
Biz2Credit loan details
| Loan amounts | $250,000 to $6 million |
| Terms | 12 to 20 years |
| APR | Not disclosed |
| Turnaround | 24-72 hours after approval |
| Minimum credit score | 650 |
| Other requirements |
|
| Fees |
|
Biz2Credit contact information
| Phone number | 800-200-5678 |
| Customer service hours | Weekdays: 9 a.m. to 6 p.m. |
| info@biz2credit.com | |
| X (Twitter) | @Biz2Credit |
| @Biz2Credit |
How to qualify for Biz2Credit
Qualification requirements for Biz2Credit are pretty basic. The include:
- A credit score of 575+
- At least 12 months in business
- $250,000 or more in annual revenue
- Government-issued identification
- A separate business bank account
Keep in mind these are the minimum requirements for revenue-based financing, Biz2Credit’s most accessible loan product. You may need a higher credit score, longer time in business, higher revenue and additional documentation to qualify for other types of financing.
How to apply
You can apply for a Biz2Credit loan entirely online and the process only takes a few minutes to start. Here’s how it works:
- Start an online application. Enter basic business details such as revenue, time in business and industry, then create an account.
- Connect your business bank account. Biz2Credit pulls recent bank activity to verify revenue and assess cash flow. This step replaces most document uploads and speeds up approval.
- Upload any additional financials. You may need to upload additional documentation, such as tax returns, bank statements and identification.
- Review your offer and accept terms. If approved, you’ll see your funding amount, factor rate or APR and repayment details. Accept the offer to finalize the agreement and prepare for funding.
How Biz2Credit compares to other lenders
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseWhat is the Finder Score?
The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.
Biz2Credit reviews and complaints
| BBB accredited | No |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 4.22 out of 5 stars, based on 82 customer reviews |
| BBB customer complaints | 1,517 customer complaints |
| Trustpilot Score | 4.7 out of 5 stars, based on 15,516 customer reviews |
| Customer reviews verified as of | 24 November 2025 |
The vast majority of Biz2Credit reviews are positive. Customers appreciate how fast and easy it is to get loans from the company. They often mention loan advisors by name and praise them for their helpfulness, professionalism and clear communication.
But there are some detractors. Complaints vary, with the most common issues being repeated marketing phone calls and texts, not getting approved for a loan, unexpected fees, zero leniency with late payments and high APRs.
What do people on Reddit say?
Frequently asked questions
Your reviews
Christi Finder
Contributor
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nikkiangco
July 12, 2019
Hi Mikemike,
Thanks for leaving a question on our page.
Aside from credit score, banks and lenders have different eligibility requirements that you will need to meet when assessing your small business loan application including the the age of your business and your business revenue.
To improve your chance of success in getting approved for a business loan, you need to be prepared and bring along necessary documentation like your business plan, financial reports/forecasts as well as your personal financial information. Remember to also review the Product Disclosure Statements/Terms and Conditions of the loan before making a decision on whether it is right for you.
Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.
Best,
Nikki
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Johnny
February 27, 2017
Are there lenders who will finance my start up business/franchise if I am not currently employed?
Anndy Finder
June 27, 2017
Hi Johnny,
Thanks for your question.
We do have a list of startup loans. Kindly review the eligibility criteria of the loan before submitting your application.
Cheers,
Anndy
mikemike
July 12, 2019
Overdraft privilege 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 still able to get funding? (I know every situation varies, in past most of the lender decline to funding).
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