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In-depth review of Biz2Credit business loans. Discover whether or not you qualify for a Biz2Credit loan and if it's the right choice for your business.



Founded in 2007, Biz2Credit provides an online marketplace for business loans, connecting borrowers with their large network of banks and financial institutions. Biz2Credit has arranged over $2 billion in funding for over 100,000 companies, earning the company a 5-star rating on Trustpilot. 

Biz2Credit provides a range of financing options for businesses to secure working capital through a quick, easy online application process. Whether in need of extra money to cash flow business expenses in lean times or interested in expanding, you can secure fast funding for up to $5 million with Biz2Credit business loans. 

Biz2Credit At-A-Glance 

Loan Amount: $10,000 - $6 million (flexibility on loan amount) 

Minimum Time in Business: Less than 6 months, accepts new businesses 

Business Loan Types: Small Business Loans, Commercial Loans, Business Loans for Women, Merchant Cash Advance, SBA Loans, Business Line of Credit, Business Loans for Veterans, Real Estate Financing, Equipment Financing, Franchise Loans, Loans for Latino Business Owners, Disaster Loans, Business Acquisition Loans, Business Credit Card, Unsecured Loans, Bad Credit Business Loans, Loans for Working Capital 




If you own a business and need quick access to working capital, Biz2Credit can help. Their lending service efficiently connects borrowers with their large lending network through a simple online process. Whether you need to buy equipment, purchase a new business, finance payroll expenses, or refinance old debt, Biz2Credit has a range of lending options available. 

Biz2Credit does not provide loans directly, but instead works with a network of banks and financial institutions. This gives applicants greater flexibility in terms of eligibility requirements. Biz2Credit business loans can work with applicants with bad credit or new businesses that have been in operation for less than 6 months. 

Biz2Credit Business Loan Types: 

  • SBA Loans: Businesses can apply for SBA Loans through Biz2Credit, a loan program guaranteed by the U.S. Small Business Administration. 
  • Merchant Cash Advance: Biz2Credit can help provide cash advances for business when cash flow needs are interrupted. With this type of business loan, Biz2Credit lenders provide working capital based on future sales or receivables. 
  • Business Line of Credit: Lenders extend a line of credit up to a maximum amount, similar to a credit card.  
    Equipment Financing: Biz2Credit lenders will provide money to purchase necessary equipment. The borrower repays the total loan amount plus interest and fees. 
  • Unsecured Business Loan: With this type of loan, Biz2Credit will connect you with a lender that provides loans without requiring collateral assets. Unsecured loans generally have higher interest rates and fees. 
  • Business Acquisition Loan: This specialized loan available through Biz2Credit extends funding to purchase an existing business, buy out a partner, or purchase/expand a franchise.   



Application Process

If you own a business, you can secure working capital quickly through the Biz2Credit online application. Visit the Biz2Credit website to get started. The initial application only takes a few minutes to complete. This initial step will not affect credit.  

Begin by indicating the total money your business needs to borrow, purpose of finding, and time in business. Next, you will need to fill in some financial and contact information including your name, annual revenue, credit score, email, and telephone number. Biz2Credit will then respond with an estimation of what rate you can expect on your business loan.  

If you have a specific idea of which type of business loan you need, you can visit that section of the website to proceed with your application. Biz2Credit also walks applicants through the application by industry, such as doctors, restaurants, salons, gas stations, dental practices, hotel/motel, convenience stores, veterinary practice, pharmacy loans, car dealership, accountants, insurance agents, and pharmacy.   



Repayment Terms

Because Biz2Credit works with a large network of lenders, they can connect borrowers with a range of loan types, terms, and rates. Specific terms will vary according to your business’ financial situation and the lender. 

SBA Loans
• Loan Amount: $10,000 to $6 million 
• Repayment Terms: 5 to 25 years 
• Interest Rates: Starting at 6.5% 
• Funding in 30 days 

Equipment Financing 
• Loan Amount: 100% up to equipment value 
• Repayment Terms: Estimated life of equipment 
• Interest Rates: 8% to 30% 
• Funding in 48 hours 

Business Line of Credit  
• Loan Amount: $8,000 to $1 million 
• Repayment Terms: 6 months to 5 years 
• Interest Rates: 7% to 25% 
• Funding in 48 hours 

Unsecured Business Loan 
• Loan Amount: Up to $100,000 
• Repayment Terms: Up to 7 years 
• Interest Rates: 4% to 35.99% 
• Funding in 4 days 

Business Acquisition Loans 
• Loan Amount: Up to $5 million 
• Repayment Terms: Up to 25 years 
• Interest Rates: 3% to 10% 
• Funding in 48 hours 


Customer Support

If you have any questions, you can reach customer support directly through the toll-free telephone or their US-based number. Biz2Credit also has a convenient live chat option so you can speak with a customer service agent without even picking up the phone. If you prefer, you can also send an email or submit an inquiry through the online contact form. 

Customers will benefit from a range of online resources available on the website. Here, you can read more about various business loan options offered by Biz2Credit. Stay informed on the latest articles and company updates by following Biz2Credit on Facebook, LinkedIn, Twitter, and YouTube. You can also sign up for updates by subscribing to their newsletter.  

  • Funding up to $5 million
  • Works with poor credit
  • Comprehensive online resources
  • Not a direct lender
  • Not accredited by Better Business Bureau
The Biz2Credit online marketplace has arranged over $2 billion in working capital for businesses including small business loans and merchant cash advances.


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Joe Schwartz

Business Loans Editor

Joe is the chief content editor of TheTop10Sites and manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.