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Biz2Credit In-Depth Review

In a nutshell: Biz2Credit is a New York‑based online fintech platform that connects U.S. small businesses with a variety of financing solutions, including term loans, revenue‑based financing, and commercial real estate loans. It offers streamlined applications with rapid funding decisions using its proprietary technology. Biz2Credit has facilitated over $8 billion in business funding to more than 200,000 businesses nationwide.

Biz2Credit In-Depth Review

Overview

Founded in 2007 by Rohit and Ramit Arora, Biz2Credit operates from New York (and Noida, India), serving small businesses across the United States with fintech-enabled financing tools. Leveraging advanced analytics, it delivers rapid, tailored funding experiences. Over the years, the platform has facilitated more than $8 billion in capital across over 200,000 businesses, earning the company a 4.7-star rating on Trustpilot. This scale, combined with proprietary financial tools like the BizAnalyzer®, reflects Biz2Credit’s evolving approach to data-driven business lending.

Features

Term Loans

Loan sizes: up to $1 million
Loan terms: 12 to 36 months
Requirements: 18+ months in business, credit score ~650, and annual revenue $250,000+

Revenue-Based Financing (Working Capital)

Funding: $2–$6 million, depending on business profile
Repayment: Tied to daily/weekly receipts
Eligibility: 12+ months in business, credit score ~575–650, annual revenue above $250,000

Commercial Real Estate Loans

Amounts: $250,000 to $6 million
Terms: 12 to 36 months
Requirements: Strong equity position and creditworthiness

Additional Tools

BizAnalyzer® Virtual CFO: Offers business performance tracking, financial health diagnostics, and recommendations.

Application Process

Create an account and complete pre‑qualification using a soft credit check.
Upload necessary documents like bank statements, tax filings, and IDs.
Receive a decision within 24 hours..
If approved, funds are deposited directly into the business account.
Most products do not impact the personal credit score.

Repayment Terms

Term Loans: Structured with fixed payments (weekly, biweekly, or monthly) over 12–36 months. Rates vary by credit profile.

Revenue-Based Financing: Payments are calculated as a percentage of revenue—more flexible for businesses with inconsistent income. No fixed interest rate applies.

Commercial Real Estate Loans: Typically similar to term loans, often requiring monthly fixed payments. Additional fees such as origination or underwriting may apply.

Customer Support

Biz2Credit assigns dedicated funding specialists to each applicant. Support is accessible via a web form, phone call, and email.

Bottom Line

Biz2Credit delivers a comprehensive and flexible suite of business financing products with fast, streamlined processing powered by its proprietary technology platform. While its revenue and credit thresholds may limit eligibility for very small or new businesses, its high funding limits and adaptable repayment options make it a compelling choice for established U.S. small- to medium-sized businesses.

PROS

Funding up to $6M
Decision as fast as 24hrs
4.7-star on Trustpilot

CONS

Not a direct lender
Not accredited by BBB

Top 3 Lenders

Lendio

Biz2Credit

OnDeck

Loan terms

Interest rates offered by Biz2Credit are very competitive

Application process

Known for quick and straightforward process, often allowing applicants to apply online and receive funding decisions rapidly

Eligibility requirements

Eligibility requirements are well-defined and more accessible than typical industry standards

Additional benefits

Access to financial advisors limited to initial consultations, good educational materials, moderate perks for repeat borrowers

Customer service and support

9.5

Available during standard business hours with multiple contact methods, timely responses

FAQs About Business Loans and Lendio

Financing your business has become easier than ever with various business lenders and platforms available. From SBA loans to business lines of credit, companies can apply for many types of business loans in the market. Get started with the most commonly asked questions about business loan services.

How do business loan marketplaces like Lendio work?

Marketplaces like Lendio allow businesses to submit one loan application and receive multiple offers from different lenders, making it easier to compare loan options.

Does Lendio do a hard inquiry on my credit?

Lendio itself does not perform a hard credit inquiry, but some partner lenders may do so as part of their approval process.

What are the general business loan requirements?

Requirements vary by lender but typically include time in business, revenue benchmarks, and a minimum credit score.

How do business loan interest rates compare?

Interest rates depend on the lender, loan type, and borrower qualifications. Platforms like Lendio help businesses compare rates and terms to find the best match.

Is Lendio a reputable company?

Lendio is a reputable company. Lendio Trustpilot and Lendio Better Business Bureau reviews can provide a picture of what some customers think of the company. However, business owners should always compare multiple options before choosing a loan provider.
By understanding business loan options and using platforms like Lendio to compare offers, businesses can make informed financing decisions tailored to their needs.
¹Biz2Credit Disclosure: See website for details. Varies depending on product and qualifications.

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