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Biz2Credit

Fintech

Large funding options for established businesses, with product rules that vary sharply.

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Reviewed August 2026
FundingRank take

Biz2Credit gives established businesses access to term loans, revenue-based financing and a line of credit. The tradeoff is complexity: qualification, pricing, state availability and even the funding provider vary by product. Compare the exact product offer, not the Biz2Credit brand generally.

At a GlanceCheck Your SituationGood Fit?ProductsBefore You ApplyWhat Happens NextAlternativesFAQs
The basics

At a Glance

Funding
$25K–$2M
Credit score
575+
Time in business
1 year
Annual revenue
Not established
Funding speed
Fast online prequalification; final funding timing varies by product
Repayment
Periodic / Revenue-based
CHECK YOUR SITUATION

Does This Product Clearly Fit the Published Minimums?

Checks published minimums only. It is not an approval estimate.

Enter what you know to check the published requirements.Provider requirements can change and meeting minimums does not guarantee approval.
Fit

Is Biz2Credit a Good Fit?

Focus on whether the tradeoffs fit your business.

Worth a Look If…

Term loans and revenue-based financing can reach $2 million or more.
Fast online prequalification with dashboard tracking.
Revenue-based financing starts at a 575 credit threshold.
Product and legal pages disclose providers, liens, guarantees and state restrictions.

Think Twice If…

No single public APR or fee range across products.
Some products use UCC liens and owner guarantees.
The line of credit requires stronger credit and revenue and is unavailable in many states.
Paying a line-of-credit draw off early may not eliminate remaining interest.
Money

What It Offers

Pricing varies by product and offer. There is no single public APR or fee schedule across Biz2Credit.

Line of Credit

Current requirements: 650+ FICO, $250,000+ annual revenue based on the last six months and 12+ months in business. Funded by Itria Ventures. Not available in AR, CT, FL, MA, MI, MN, MT, NV, NC, ND, OH, PA, PR, RI, SD, TN, TX or VT; higher revenue thresholds can apply in AK, NE, NJ, OR and DC.
Amount
Up to $500,000
Cost
Offer-specific; Biz2Credit does not publish one universal line-of-credit APR on the reviewed page.
Term
12-month line; reassessed for renewal after 12 months
Payments
Pay only on amounts drawn; exact schedule is offer-specific
Fees
Offer-specific. A minimum initial draw is required. Current public material does not establish one universal APR for every borrower.
Speed
Prequalification available online in minutes

Revenue-Based Financing

Biz2Credit's current revenue-based-financing page contains conflicting annual-revenue figures. FundingRank is not publishing one numeric minimum until the live application or a newer primary disclosure resolves it.
Amount
$25,000–$2 million+
Cost
Receivables-purchase structure using a factor rate rather than a conventional interest rate.
Term
No fixed loan term; repayment follows an agreed share of business receipts
Payments
Revenue-based periodic remittances with reconciliation/true-up rights
Fees
The purchased amount and fees are established in the receivables-sale agreement. Convert the actual offer to an APR-equivalent before comparing.
Speed
Prequalification estimate in about 60 seconds; final timing varies

Term Loan

Current dedicated term-loan page lists 650+ FICO, $100,000+ annual revenue and at least 12 months in business. The product is secured and current legal disclosures say it typically involves a UCC lien and personal guaranty.
Amount
$25,000–$2 million+
Cost
Fixed-rate term loan; Biz2Credit does not establish one universal public APR for every borrower.
Term
3–60 months
Payments
Agreed periodic principal-and-interest payments
Fees
Offer-specific. Review rate, fees, UCC filing and guaranty terms in the final agreement.
Speed
Fast digital prequalification; final decision and funding depend on underwriting and documents.
Qualification

Before You Apply

Term loans and the line of credit currently publish 650+ credit minimums; revenue-based financing starts at 575. Revenue and state rules vary by product.

Typical Requirements

Term loan
650+ credit · $100,000 annual revenue · 12+ months — Current dedicated term-loan page; final approval still depends on underwriting and documents.
Revenue-based financing
575+ credit · 12+ months — Current public RBF revenue language conflicts across the same page, so FundingRank is leaving the numeric revenue minimum unset until resolved.
Line of credit
650+ credit · $250,000 annual revenue · 12+ months — Revenue is based on the last six months; higher revenue thresholds can apply in AK, NE, NJ, OR and DC.
Geography
Product specific — The line of credit is not available in AR, CT, FL, MA, MI, MN, MT, NV, NC, ND, OH, PA, PR, RI, SD, TN, TX or VT.
How the Application Works
  1. Create a Biz2Credit account and provide basic business details.
  2. Receive an initial prequalified estimate when available. Biz2Credit currently says the prequalification application does not cause a hard credit inquiry.
  3. Complete the funding application and upload financial documents, including business bank statements when requested.
  4. Biz2Credit underwrites the request and can present one or more offers depending on the product and eligibility.
  5. Review the actual provider, rate or factor, total cost, payment schedule, UCC/guaranty language and early-payoff terms before signing.
What Documents You May Need
  • Business bank statements and other requested financial documents
  • Government-issued identification for owners before closing on some products, including current RBF requirements
  • Business formation/ownership information and additional underwriting documents as requested
Credit Check
Biz2Credit's current prequalification application says submitting the application does not affect your credit score because no hard inquiry is performed at that stage. Final product underwriting can require additional credit authorization under the Business Finance Terms, so review the consent presented before closing.
Paying It Off Early
For the line of credit, Biz2Credit explicitly says an early payoff can still leave unpaid interest due under the agreement. Revenue-based financing is not an amortizing loan, and term-loan payoff rules are agreement-specific.
After Apply

What Happens Next

Review the application handoff, follow-up, and funding timeline.

Where Your Application Goes

Biz2Credit and Itria Ventures handle several products, while term loans can also involve Cross River Bank or other participating lenders. Confirm the provider named on your offer.

Contact after applying
Not enough reliable information yet
Follow-up
Not enough reliable information yet
Funding timeline
Prequalification can take about a minute on some products; final decision and funding timing depend on the completed application and product.
Compare

Other Options Worth Checking

Compare it with another realistic option.

OnDeck
Compare if you want a more direct lender with current published average APR data and both term-loan and line-of-credit products.
View Review →
Kapitus
Worth comparing if you want larger financing-network breadth and multiple offer types, particularly for an established higher-revenue business.
View Review →
Fundbox
Consider if you need a smaller line of credit and Biz2Credit's $250,000 line-of-credit revenue threshold or state restrictions are too limiting.
View Review →
Questions

Biz2Credit FAQs

What credit score does Biz2Credit require?
Current published minimums are 650 for the term loan and line of credit and 575 for revenue-based financing. Approval still depends on the complete business profile.
How much can Biz2Credit provide?
Current product pages publish $25,000–$2 million for term loans, $25,000–$2 million or more for revenue-based financing, and up to $500,000 for the line of credit.
Is Biz2Credit revenue-based financing a loan?
No. Biz2Credit's legal page says it is a purchase of future receivables, not a loan. It has no conventional interest rate or fixed loan term and is secured by a UCC lien on receivables.
Does Biz2Credit prequalification affect my credit score?
Biz2Credit's current prequalification application says no hard inquiry is performed when you submit that initial application. Final underwriting can involve additional credit authorization, so read the later consent carefully.
Can I get a Biz2Credit line of credit in every state?
No. The current line of credit is unavailable in a long list of states including Florida, Texas, Nevada, Pennsylvania and others. FundingRank lists the full exclusions in the review.
What happened with the FTC and Biz2Credit?
In 2024, Biz2Credit and subsidiary Itria Ventures agreed to pay $33 million to settle FTC charges that their PPP processing-time advertising during the pandemic program was misleading. FundingRank treats that as a historical regulatory fact, separate from the current financing terms reviewed here.
Keep Researching

More on Biz2Credit

Business Lines of Credit
Compare verified line-of-credit products.
Browse Options →
Lower-Credit Options
See products with published minimum scores of 625 or below.
Browse Options →
Have Information We Should Know?

Submit a borrower experience or lender correction for review. Nothing changes automatically.

Research Notes, Methodology, and Sources

Source and scoring details.

Transparency score: Not scored / 100 · Insufficient Data

Data safety score: Not scored / 100 · Insufficient Data

Support: Biz2Credit advertises dedicated Funding Specialists and an online dashboard from application through funding. FundingRank has not independently scored response times.

Business credit reporting: FundingRank has not established one universal business-credit reporting policy across Biz2Credit, Itria Ventures and participating lenders.

Availability: Term-loan and RBF availability is product and underwriting dependent. The current line of credit is funded by Itria Ventures and excludes AR, CT, FL, MA, MI, MN, MT, NV, NC, ND, OH, PA, PR, RI, SD, TN, TX and VT; higher revenue thresholds may apply in AK, NE, NJ, OR and DC.

Sources
FTC v. Biz2Credit, Inc. and Itria Ventures LLC ↗ · Historical regulatory action, PPP advertising, 2024 settlement
Forbes Advisor Business Lines of Credit ↗ · Competitor benchmark, Biz2Credit line of credit, Pricing presentation, Borrower fit
Biz2Credit Business Term Loan ↗ · Term-loan amount, Term, Revenue, Credit score, Time in business, Application documents, Repayment
Biz2Credit Business Line of Credit ↗ · Line amount, Eligibility, Term, Credit impact, State availability, Provider, Initial draw, Early payoff
Biz2Credit Revenue-Based Financing ↗ · Receivables purchase, Amount, Prequalification, Revenue-based repayment, Eligibility
Biz2Credit Financing Options ↗ · Term loan, Revenue-based financing, Line of credit, Amounts, Credit requirements, Term-loan eligibility
Biz2Credit Business Finance Services Terms ↗ · Request for funding, Information sharing, Funding providers, Application documents
Forbes Advisor Biz2Credit Review ↗ · Competitor benchmark, Verdict, Pros and cons, Qualification, Methodology
Biz2Credit Privacy Policy ↗ · Collection, Use, Disclosure, Privacy choices
Biz2Credit Legal Information ↗ · Application flow, Prequalification, Revenue-based financing, UCC lien, Performance guaranty, Term loan
Biz2Credit Business Funding FAQs ↗ · Revenue-based financing structure, Term loan, Application documents, Prequalification, Itria Ventures, SBA assistance
Biz2Credit Terms of Service ↗ · Calls and texts, Advertising and telemarketing consent, Consent revocation, Service terms