Biz2Credit
Direct lender and marketplace: term loans $25,000 to $2 million, 7.99% to 29.99% reported (unpublished), 650+ FICO, decisions in 24 hours. Best for businesses with $250K+ revenue.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: Businesses with 18+ months of history, $250,000+ in annual revenue and a 650+ FICO that want a fixed-rate term loan of $25,000 to $2 million, with a marketplace fallback.
Not for: Startups, owners with credit under 600, or anyone who wants a rate before applying. Its line of credit isn't offered in 17 states, including Texas and Florida.
Lender List verdict: Biz2Credit is both a direct lender (through subsidiary Itria Ventures) and a loan marketplace, so established businesses get a wide shot at funding from one application. The catch is opacity: rates are unpublished (7.99% to 29.99% reported), and it settled FTC charges over PPP claims in 2024.
Biz2Credit at a glance
Biz2Credit lends $25,000 to $2 million in term loans and up to $6 million in revenue-based financing, and refers other applicants to partner lenders.
| Biz2Credit | |
|---|---|
| Lender type | Direct lender (via Itria Ventures LLC and Cross River Bank) and loan marketplace |
| Founded | 2007 |
| HQ | New York, NY |
| Parent/owner | Biz2Credit Inc. (privately held; founders Rohit and Ramit Arora) |
| Products | Term loans, revenue-based financing, line of credit, commercial real estate loans |
| Amounts | $25,000 to $2 million (term); $25,000 to $6 million (revenue-based); up to $500,000 (line) |
| Cost (headline) | Rates not published; 7.99% to 29.99% reported for term loans |
| Term | 12 to 36 months (term loans); 12-month line |
| Funding speed | Decision in as little as 24 hours; funds often within 24 hours of approval |
| Status | Active (2026-10-26) |
What is Biz2Credit?
Biz2Credit is a New York fintech founded in 2007 that funds small businesses directly and also matches them with outside lenders. Its term loans and lines come from Itria Ventures LLC, a wholly owned subsidiary, or Cross River Bank; when those don't fit, it can route you to a network it puts at 1,300+ lenders, earning a fee only if a loan closes.
Biz2Credit says it has provided $8 billion to more than 200,000 businesses since 2007. SBA loans come only through partner lenders.
How Biz2Credit business loans work
Biz2Credit's main product is a fixed-rate term loan of $25,000 to $2 million, repaid monthly over 12 to 36 months. You prequalify online, then upload bank statements and tax returns.
- Term loans: One lump sum; the term-loan page caps it at $1 million.
- Revenue-based financing: $25,000 to $6 million; repayment flexes with revenue, with debit cadence set per offer.
- Line of credit: Up to $500,000, with draws for 12 months; repayment terms are set in the loan agreement.
- Commercial real estate: $250,000 to $6 million for owners of commercial property.
Biz2Credit rates and fees: what it really costs
Biz2Credit does not publish its interest rates; United Capital Source reports term-loan rates of 7.99% to 29.99% simple interest, set mainly by credit score.
- Underwriting fee: $250 to $450, according to United Capital Source (Finder reports $250 to $400)
- Origination fee: charged on some loans, scaled to loan size; amount not published
- Late and NSF fees: may apply
- Early payoff: on a line-of-credit draw you still owe all the interest in the agreement; term-loan prepayment terms are not published
- Revenue-based financing: factor rates of 1.11 to 1.45 reported by United Capital Source
Worked example: a $25,000 term loan over 24 months at the reported 7.99% starting rate costs $1,130.57 a month, or $27,133.64 in total ($2,133.64 of interest); with a $450 underwriting fee the APR is about 9.8%. At the reported 29.99% ceiling it costs $1,397.69 a month, $33,544.60 in total, roughly 32% APR. Neither includes an origination fee.
Biz2Credit requirements
Biz2Credit's term loan requires a 650+ FICO, 18 months in business and $250,000 in annual revenue.
| Requirement | Biz2Credit minimum |
|---|---|
| Personal credit score | 650 (term loan, line of credit); 600 for revenue-based financing (third-party: 575) |
| Time in business | 18 months (term loan); 12 months (line of credit, revenue-based) |
| Annual revenue | $250,000 (term loan, line); one product page says $100,000 |
| Bank account / documents | 3 to 6 months of business bank statements, tax returns, entity documents |
| Credit check | No score impact to prequalify for the line; personal and business credit may be reviewed for term loans |
| Collateral / guarantee | Personal guarantee and UCC lien on business assets reported for term loans |
Biz2Credit reviews 3 to 6 months of bank statements alongside your score; the line uses average revenue over the last 6 months.
Pros and cons
Biz2Credit offers high limits and a marketplace fallback but no upfront pricing.
Pros
- Term loans to $2 million and revenue-based financing to $6 million
- Fixed-rate, monthly-payment term loans instead of daily debits
- If you don't qualify in-house, one application can reach partner lenders
- Trustpilot rating of 4.6/5 from about 15,700 reviews
Cons
- No published rates or full fee schedule
- $250,000 revenue and 650 FICO floors shut out young or small businesses
- Line of credit unavailable in 17 states and Puerto Rico; early payoff of a draw doesn't cut interest
- $33 million FTC settlement in 2024 over PPP processing-time claims
Biz2Credit vs. OnDeck vs. Lendio
Biz2Credit lends up to $2 million on term loans, against $400,000 at OnDeck; Lendio only matches you with lenders.
| Biz2Credit | OnDeck | Lendio | |
|---|---|---|---|
| Max amount | $2M term; $6M revenue-based | Term loan $400,000 (select customers); line $200,000 | $5 million via partners (set by matched lender) |
| Pricing | Not published; 7.99% to 29.99% reported | Average APR 53.2% (term loan), H1 2026 | No Lendio fee; partner term loans from 6% |
| Min FICO | 650 (600 revenue-based) | 625 | 600 (some in the 500s) |
| Min time in business | 18 months (term) | 1 year | 6 months |
| Min annual revenue | $250,000 | $100K | $96,000 ($8,000/month) |
| Repayment | Monthly, 12 to 36 months | Daily, weekly or monthly; 18 to 24 months | Set by the matched lender |
| Early payoff | Not published (line: full interest owed) | May still owe part of unpaid interest | Set by the matched lender |
OnDeck and Lendio figures are from their own sites, checked 2026-10-26.
Choose Biz2Credit if you have $250,000+ in revenue and need a large term loan. Choose OnDeck if you need money fast with one year in business. Choose Lendio if you are younger or smaller and want to compare many lenders.
Biz2Credit alternatives on Lender List
The closest Biz2Credit alternatives on Lender List are Bluevine and Fundbox for smaller lines, and iBusiness Funding or Lendistry for SBA 7(a) loans with longer terms.
- Bluevine — line of credit up to $250,000 from 7.8% for 625+ FICO
- Fundbox — easier line for younger businesses with fair credit
- iBusiness Funding and Lendistry — SBA 7(a) loans with longer terms if you can wait weeks
- Browse all online term loans on Lender List
Frequently asked questions about Biz2Credit
Is Biz2Credit Legit? Yes. Biz2Credit has operated since 2007, lends through its California-licensed subsidiary Itria Ventures and Cross River Bank, and holds a 4.6/5 Trustpilot score from about 15,700 reviews. Finder reports a BBB A+ rating without accreditation. In 2024 it paid $33 million to settle FTC charges over PPP processing claims, without admitting wrongdoing.
What Are Biz2Credit's Interest Rates? Biz2Credit doesn't publish them. United Capital Source reports term-loan rates of 7.99% to 29.99% simple interest, plus a $250 to $450 underwriting fee and, on some loans, an origination fee. Revenue-based financing uses factor rates instead, reported at 1.11 to 1.45.
What Is the Connection Between Itria Ventures and Biz2Credit? Itria Ventures LLC is Biz2Credit's wholly owned lending subsidiary. It funds Biz2Credit's lines of credit and many term loans and holds California Financing Law license 60DBO-35839; Cross River Bank, Member FDIC, originates the other term loans. Itria was also a party to the 2024 FTC settlement.
What Was the Biz2Credit Lawsuit About? PPP processing times. The FTC alleged Biz2Credit advertised 10 to 14 business days when the average ran over a month, and ignored some withdrawal requests. In March 2024 Biz2Credit and Itria agreed to pay $33 million and to let applicants withdraw promptly, admitting no wrongdoing.
Does Biz2Credit Check Your Credit Score? Yes, but prequalifying for the line of credit doesn't affect your score. Term loans and lines need a 650+ FICO (the line looks at the majority owner's score), and term loans may involve a review of both personal and business credit; revenue-based financing starts at 600 (third parties report 575).
Is Biz2Credit a Direct Lender? Yes, partly. Biz2Credit funds its own term loans and lines of credit through Itria Ventures (and Cross River Bank), but it also runs a marketplace that refers applicants to partner lenders and earns a fee only when a loan funds. SBA loans come only through those partners.
What Are the Biz2Credit Requirements? A term loan needs a 650+ FICO, 18 months in business, $250,000 in annual revenue, 3 to 6 months of bank statements and recent tax returns. The line of credit needs 12 months in business, and Alaska, Nebraska, New Jersey, Oregon and DC set higher revenue floors.
How Long Does Biz2Credit Take to Fund? Often within 24 hours of approval, Biz2Credit says (Finder and Merchant Maverick report 24 to 72 hours). United Capital Source puts the application itself at about 4 minutes. Line-of-credit prequalification takes about 60 seconds, and decisions can come in as little as 24 hours.
Last verified 2026-10-26. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: Businesses with 18+ months of history, $250,000+ in annual revenue and a 650+ FICO that want a fixed-rate term loan of $25,000 to $2 million, with a marketplace fallback.
Not for: Startups, owners with credit under 600, or anyone who wants a rate before applying. Its line of credit isn't offered in 17 states, including Texas and Florida.
Lender List verdict: Biz2Credit is both a direct lender (through subsidiary Itria Ventures) and a loan marketplace, so established businesses get a wide shot at funding from one application. The catch is opacity: rates are unpublished (7.99% to 29.99% reported), and it settled FTC charges over PPP claims in 2024.
Biz2Credit at a glance
Biz2Credit lends $25,000 to $2 million in term loans and up to $6 million in revenue-based financing, and refers other applicants to partner lenders.
| Biz2Credit | |
|---|---|
| Lender type | Direct lender (via Itria Ventures LLC and Cross River Bank) and loan marketplace |
| Founded | 2007 |
| HQ | New York, NY |
| Parent/owner | Biz2Credit Inc. (privately held; founders Rohit and Ramit Arora) |
| Products | Term loans, revenue-based financing, line of credit, commercial real estate loans |
| Amounts | $25,000 to $2 million (term); $25,000 to $6 million (revenue-based); up to $500,000 (line) |
| Cost (headline) | Rates not published; 7.99% to 29.99% reported for term loans |
| Term | 12 to 36 months (term loans); 12-month line |
| Funding speed | Decision in as little as 24 hours; funds often within 24 hours of approval |
| Status | Active (2026-10-26) |
What is Biz2Credit?
Biz2Credit is a New York fintech founded in 2007 that funds small businesses directly and also matches them with outside lenders. Its term loans and lines come from Itria Ventures LLC, a wholly owned subsidiary, or Cross River Bank; when those don't fit, it can route you to a network it puts at 1,300+ lenders, earning a fee only if a loan closes.
Biz2Credit says it has provided $8 billion to more than 200,000 businesses since 2007. SBA loans come only through partner lenders.
How Biz2Credit business loans work
Biz2Credit's main product is a fixed-rate term loan of $25,000 to $2 million, repaid monthly over 12 to 36 months. You prequalify online, then upload bank statements and tax returns.
- Term loans: One lump sum; the term-loan page caps it at $1 million.
- Revenue-based financing: $25,000 to $6 million; repayment flexes with revenue, with debit cadence set per offer.
- Line of credit: Up to $500,000, with draws for 12 months; repayment terms are set in the loan agreement.
- Commercial real estate: $250,000 to $6 million for owners of commercial property.
Biz2Credit rates and fees: what it really costs
Biz2Credit does not publish its interest rates; United Capital Source reports term-loan rates of 7.99% to 29.99% simple interest, set mainly by credit score.
- Underwriting fee: $250 to $450, according to United Capital Source (Finder reports $250 to $400)
- Origination fee: charged on some loans, scaled to loan size; amount not published
- Late and NSF fees: may apply
- Early payoff: on a line-of-credit draw you still owe all the interest in the agreement; term-loan prepayment terms are not published
- Revenue-based financing: factor rates of 1.11 to 1.45 reported by United Capital Source
Worked example: a $25,000 term loan over 24 months at the reported 7.99% starting rate costs $1,130.57 a month, or $27,133.64 in total ($2,133.64 of interest); with a $450 underwriting fee the APR is about 9.8%. At the reported 29.99% ceiling it costs $1,397.69 a month, $33,544.60 in total, roughly 32% APR. Neither includes an origination fee.
Biz2Credit requirements
Biz2Credit's term loan requires a 650+ FICO, 18 months in business and $250,000 in annual revenue.
| Requirement | Biz2Credit minimum |
|---|---|
| Personal credit score | 650 (term loan, line of credit); 600 for revenue-based financing (third-party: 575) |
| Time in business | 18 months (term loan); 12 months (line of credit, revenue-based) |
| Annual revenue | $250,000 (term loan, line); one product page says $100,000 |
| Bank account / documents | 3 to 6 months of business bank statements, tax returns, entity documents |
| Credit check | No score impact to prequalify for the line; personal and business credit may be reviewed for term loans |
| Collateral / guarantee | Personal guarantee and UCC lien on business assets reported for term loans |
Biz2Credit reviews 3 to 6 months of bank statements alongside your score; the line uses average revenue over the last 6 months.
Pros and cons
Biz2Credit offers high limits and a marketplace fallback but no upfront pricing.
Pros
- Term loans to $2 million and revenue-based financing to $6 million
- Fixed-rate, monthly-payment term loans instead of daily debits
- If you don't qualify in-house, one application can reach partner lenders
- Trustpilot rating of 4.6/5 from about 15,700 reviews
Cons
- No published rates or full fee schedule
- $250,000 revenue and 650 FICO floors shut out young or small businesses
- Line of credit unavailable in 17 states and Puerto Rico; early payoff of a draw doesn't cut interest
- $33 million FTC settlement in 2024 over PPP processing-time claims
Biz2Credit vs. OnDeck vs. Lendio
Biz2Credit lends up to $2 million on term loans, against $400,000 at OnDeck; Lendio only matches you with lenders.
| Biz2Credit | OnDeck | Lendio | |
|---|---|---|---|
| Max amount | $2M term; $6M revenue-based | Term loan $400,000 (select customers); line $200,000 | $5 million via partners (set by matched lender) |
| Pricing | Not published; 7.99% to 29.99% reported | Average APR 53.2% (term loan), H1 2026 | No Lendio fee; partner term loans from 6% |
| Min FICO | 650 (600 revenue-based) | 625 | 600 (some in the 500s) |
| Min time in business | 18 months (term) | 1 year | 6 months |
| Min annual revenue | $250,000 | $100K | $96,000 ($8,000/month) |
| Repayment | Monthly, 12 to 36 months | Daily, weekly or monthly; 18 to 24 months | Set by the matched lender |
| Early payoff | Not published (line: full interest owed) | May still owe part of unpaid interest | Set by the matched lender |
OnDeck and Lendio figures are from their own sites, checked 2026-10-26.
Choose Biz2Credit if you have $250,000+ in revenue and need a large term loan. Choose OnDeck if you need money fast with one year in business. Choose Lendio if you are younger or smaller and want to compare many lenders.
Biz2Credit alternatives on Lender List
The closest Biz2Credit alternatives on Lender List are Bluevine and Fundbox for smaller lines, and iBusiness Funding or Lendistry for SBA 7(a) loans with longer terms.
- Bluevine — line of credit up to $250,000 from 7.8% for 625+ FICO
- Fundbox — easier line for younger businesses with fair credit
- iBusiness Funding and Lendistry — SBA 7(a) loans with longer terms if you can wait weeks
- Browse all online term loans on Lender List
Frequently asked questions about Biz2Credit
Is Biz2Credit Legit? Yes. Biz2Credit has operated since 2007, lends through its California-licensed subsidiary Itria Ventures and Cross River Bank, and holds a 4.6/5 Trustpilot score from about 15,700 reviews. Finder reports a BBB A+ rating without accreditation. In 2024 it paid $33 million to settle FTC charges over PPP processing claims, without admitting wrongdoing.
What Are Biz2Credit's Interest Rates? Biz2Credit doesn't publish them. United Capital Source reports term-loan rates of 7.99% to 29.99% simple interest, plus a $250 to $450 underwriting fee and, on some loans, an origination fee. Revenue-based financing uses factor rates instead, reported at 1.11 to 1.45.
What Is the Connection Between Itria Ventures and Biz2Credit? Itria Ventures LLC is Biz2Credit's wholly owned lending subsidiary. It funds Biz2Credit's lines of credit and many term loans and holds California Financing Law license 60DBO-35839; Cross River Bank, Member FDIC, originates the other term loans. Itria was also a party to the 2024 FTC settlement.
What Was the Biz2Credit Lawsuit About? PPP processing times. The FTC alleged Biz2Credit advertised 10 to 14 business days when the average ran over a month, and ignored some withdrawal requests. In March 2024 Biz2Credit and Itria agreed to pay $33 million and to let applicants withdraw promptly, admitting no wrongdoing.
Does Biz2Credit Check Your Credit Score? Yes, but prequalifying for the line of credit doesn't affect your score. Term loans and lines need a 650+ FICO (the line looks at the majority owner's score), and term loans may involve a review of both personal and business credit; revenue-based financing starts at 600 (third parties report 575).
Is Biz2Credit a Direct Lender? Yes, partly. Biz2Credit funds its own term loans and lines of credit through Itria Ventures (and Cross River Bank), but it also runs a marketplace that refers applicants to partner lenders and earns a fee only when a loan funds. SBA loans come only through those partners.
What Are the Biz2Credit Requirements? A term loan needs a 650+ FICO, 18 months in business, $250,000 in annual revenue, 3 to 6 months of bank statements and recent tax returns. The line of credit needs 12 months in business, and Alaska, Nebraska, New Jersey, Oregon and DC set higher revenue floors.
How Long Does Biz2Credit Take to Fund? Often within 24 hours of approval, Biz2Credit says (Finder and Merchant Maverick report 24 to 72 hours). United Capital Source puts the application itself at about 4 minutes. Line-of-credit prequalification takes about 60 seconds, and decisions can come in as little as 24 hours.
Last verified 2026-10-26. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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