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.

Pros & Cons

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.

AI was used in the creation of this content, along with human validation and proofreading.