Biz2Credit Inc. is a fintech lending platform headquartered at 1 Penn Plaza, 49th Floor, New York, NY. Founded in 2007, the company has facilitated more than $8 billion in funding to over 200,000 businesses across the United States, making it one of the largest online business lending platforms by volume.
Biz2Credit offers four core financing products. Term loans range from $25,000 to over $2 million with decisions delivered within 24 hours. Revenue-based financing covers the same $25,000 to $2 million-plus range but uses business revenue rather than traditional creditworthiness as the primary qualification metric, requiring a minimum 575 credit score and $250,000 in annual revenue. Business lines of credit go up to $500,000 for flexible revolving access. Commercial real estate loans range from $250,000 to $6 million with up to 36 months of interest-only payments available.
The platform's standout feature is speed. Biz2Credit offers 60-second prequalification using a soft credit pull that does not impact the applicant's personal credit score. Full funding decisions are typically delivered within 24 hours. The prequalification process is designed to give borrowers a realistic sense of their options before committing to a full application.
Qualification requirements vary by product. Term loans require a minimum 650 credit score, 12 months in business, and $100,000 in annual revenue. Revenue-based financing has a lower credit threshold at 575 but requires higher revenue at $250,000 annually. Loans are originated by Itria Ventures LLC or Cross River Bank, meaning Biz2Credit operates as the technology platform and origination partner rather than a balance-sheet lender.
Biz2Credit maintains a 4.6 out of 5 rating on Trustpilot based on 14,815 reviews, which is an unusually strong score for a business lending platform. The company also operates a CPA Business Funding Portal, allowing accounting professionals to refer their clients and track applications.
Like most alternative business lenders, Biz2Credit does not publish APR ranges, interest rates, or fee schedules on its website. Borrowers must complete the prequalification process to receive specific pricing. Revenue-based financing costs can be particularly difficult to compare since they are structured as a percentage of future revenue rather than a traditional interest rate. The company has an affiliate program available for referral partners.
For business owners exploring financing options, the landscape includes several distinct products. Small business loans provide lump-sum working capital with fixed repayment terms, while a business line of credit offers flexible revolving access to funds as needed. SBA loans through government-backed programs offer the lowest rates but require longer approval timelines. For businesses with outstanding invoices, invoice factoring converts receivables into immediate cash flow. Equipment financing allows companies to acquire machinery and technology with the equipment itself as collateral. A merchant cash advance provides fast business funding by purchasing a share of future sales, though typically at higher effective costs. Startups and newer businesses may find working capital loan options through alternative lenders with lower qualification requirements than traditional banks.
