Biz2Credit is a small-business loan provider that offers a variety of loan options, including working-capital loans, startup business loans, and commercial real estate loans. The company is known for its straightforward, fast application process, with many loan approvals issued in less than 24 hours.
We receive advertising fees from the companies listed in the chart below, which affect rankings
Navigate
Overview
What Does Biz2Credit Offer?
How to Apply for Funding?
Repayment
Data Security
Customer Support
Bottom line
Anjali Kedar
the top business lenders Editor
Biz2Credit is a direct financing source for small businesses, offering term loans, business cash advances, and commercial real estate loans. The company uses a streamlined application process to quickly identify pre-approved loan options that can help support your business needs.
For term loans, Biz2Credit has specific eligibility requirements, including at least $250,000 in annual revenue and a minimum of 18 months in business. The benefit, however, is access to competitive interest rates starting at just 8.99%. Newer businesses can also secure funding through financing programs that are repaid using a percentage of future revenues.
What Does Biz2Credit Offer?
Biz2Credit aims to give growing businesses the loan financing they need to move forward. One of its key strengths is the variety of businesses it serves. Established companies can apply for traditional term loans, while newer businesses may qualify for revenue-based financing that ties repayment to future income. Many loan approvals are issued in under 24 hours, with funds often available within three business days.
Biz2Credit supports multiple types of business loans. Term loans feature low interest rates, flexible terms, and weekly or biweekly repayment schedules. Startup financing is available for businesses operating for less than 18 months and can be repaid through future revenue rather than fixed payments. For companies that own commercial property, Biz2Credit also offers commercial real estate loans with competitive rates and higher loan amounts.
Key Highlights:
Competitive interest rates starting at 8.99%
Access to term loans, startup financing, and commercial property loans
Loan approval in as little as 24 hours
A wide selection of small business loan options
How to Apply for Funding
Biz2Credit makes the loan application process fast and straightforward. You can apply online through their website, and the entire application typically takes less than five minutes. After you provide basic information about yourself and your business, Biz2Credit immediately shows you pre-approved loan options that match your profile. Once you decide to move forward with a specific loan, the lender will perform a hard credit check and may request additional documents. Most Biz2Credit lending partners review and approve applications in under 24 hours, with funds usually deposited within three business days.
Loan amounts vary based on your business history and how you intend to use the funding. Standard term loans typically range from $25,000 to $250,000. Startup financing is available from $25,000 up to $5 million, and commercial real estate loans can offer $250,000 to $6 million, depending on your property and business financials.
Basic Requirements:
Minimum 660 credit score
For term loans: at least $250,000 in annual revenue and 18 months in business
For newer businesses: at least $100,000 in annual revenue and six months in operation
Repayment
Biz2Credit’s repayment terms are designed to fit a variety of business needs. Term loans and commercial real estate loans typically offer repayment periods between 12 and 36 months. Interest rates start as low as 8.99% APR, though the exact rate you receive will depend on your credit profile and the specific lender.
Term loan payments are usually made weekly or biweekly, while commercial real estate loans have monthly payments. For startup financing, repayment is based on a percentage of your future revenue—collected daily, weekly, or biweekly. The length of your repayment period depends on your revenue flow and the percentage agreed upon.
Data Security
Biz2Credit protects your information using Entrust SSL encryption. While the company does share certain business details with its lending partners, it maintains a comprehensive and transparent privacy policy outlining how your data is used.
Customer Support
Biz2Credit provides customer support five days a week. You can contact their team via phone, email, or live chat. They also offer a business toolkit that helps you track your company’s financial health and estimate loan costs.
Phone: (212) 644-4555
Email: info@biz2credit.com
Bottom Line
Biz2Credit makes it simple to find the right loan or financing option for your business. With a fast application process, flexible loan products, strong customer support, and generous borrowing limits, Biz2Credit connects small businesses with lenders who can deliver funding—often within 24 hours.
Biz2Credit
Must Reads
thetopbusinesslenders.com is a free online platform designed to help users with the process of choosing the services or products that meets their needs by providing helpful reviews, articles and comparison based content. We receive compensation from the various brands we review, compare and rank on the website. thetopbusinesslenders.com is not a lender, broker or financial institute, nor a party to any engagement related to financial products or transaction. All rates, fees and offers’ terms presented herein are provided by the third party brands we engage with, which may include lenders, brokers and aggregators. We do not make any decision regarding such rates, fees, terms and eligibility or approval of a financial offer. The actual offer you will receive is subject to its provider’s sole discretion including credit score, minimum deposit, minimum balance, requested loan amount, loan term, etc. and there is no guarantee you will qualify for the rates, fees, or terms presented herein. The content herein is not, and shall not be taken as an endorsement, recommendation or solicitation to borrow or obtain any financial service. We encourage you to carefully review the actual offer’s terms you receive from the provider, including all associated fees and costs. Filing for bankruptcy shall not exempt from repayment obligations.
Annual Percentage Rate (“APR”) is the yearly cost of borrowing from a financial institution, represented as a percentage. The APR includes fees related to originating the loan, not just the interest payments (such late fees, closing fees and administrative fees). Repayment examples (for illustrative purposes only): a $20,000 loan at 6.00% APR with a term of 5 years would result in 60 monthly payments of $387 (Total repayable: $23,199) and a $100,000 loan at 3.00% APR with a term of 4 years would result in 48 monthly payments of $2,213 (Total repayable: $106,245).