On this page13 sections
- Ratings and complaints
- Biz2Credit vs. competitors
- Pricing
- Step by step
- Biz2Credit legitimacy and licensing
- Biz2Credit rates, terms and requirements
- Where the Biz2Credit line of credit is available
- Biz2Credit complaints and what customers report
- The rules that protect business borrowers
- Who should skip Biz2Credit
- What customers say
- Alternatives
- FAQ
Biz2Credit suits established businesses with at least a year of history, $100,000 to $250,000 or more in annual revenue and a 575 to 650 credit score that want $25,000 to $2 million or more. It is a legitimate New York lender founded in 2007, with term loans made by its subsidiary Itria Ventures LLC or by Cross River Bank. The main tradeoffs are cost visibility and its record: rates, factor rates and fees are not published, the line of credit is limited to 30 states and DC, and in 2024 Biz2Credit and Itria agreed to pay $33 million to settle FTC charges that they misled PPP applicants about processing times. Get the full written cost, including the APR where your state requires it, and compare at least two other offers before you sign.
- Products
- Term loans, revenue-based financing, line of credit and commercial real estate loans1
- Term loans
- $25,000 to $2 million, fixed rate, terms of 3 to 60 months; 650 FICO, $100,000 annual revenue and at least 12 months in business (the page also mentions 15 months)2
- Revenue-based financing
- $25,000 to $2 million or more, repaid from a share of future receivables using a factor rate; 575 credit score, 1 year in business, $250,000 annual revenue3
- Line of credit
- Up to $500,000 for a 12-month draw period; 650 FICO, $250,000 annual revenue, 12 months in business; available in 30 states and DC only4
- Commercial real estate loans
- $250,000 to $6 million, terms of 5 to 20 years; 650 credit score, 18 months in business, property appraisal required5
- Rates and fees
- Not published for any product, as of October 20261
- Who makes the loans
- Term loans are made by Itria Ventures LLC or Cross River Bank, Member FDIC; Itria holds California Financing Law license 60DBO-358391
- Regulatory history
- March 2024: Biz2Credit and Itria Ventures agreed to pay $33 million to settle FTC charges over deceptive PPP processing time claims6
Pros
- Large amounts for an online lender, up to $2 million or more and $6 million for real estate
- Four product types, including fixed-rate term loans up to 60 months
- Revenue-based option accepts a 575 credit score
- Decisions in as little as 24 hours, per the company
- Strong Trustpilot rating from more than 15,000 reviews
Cons
- No rates, APRs, factor rates or fees published
- $25,000 minimum, so not for small needs
- Line of credit offered in only 30 states and DC, not New York, Texas or Florida
- $33 million FTC settlement in 2024 over misleading PPP processing claims
- Revenue requirements of $100,000 to $250,000 a year
Best for: Established businesses with at least a year of history and six-figure revenue that need $25,000 to $2 million or more and can compare a written offer against other lenders.
Skip it if: You need less than $25,000, want to see rates before applying, or qualify for an SBA or bank loan.
Biz2Credit vs. competitors
| Company | Amounts | Published cost | Minimum requirements | BBB | Next step |
|---|---|---|---|---|---|
| Biz2Credit | $25,000 to $2 million+; line up to $500,000; CRE to $6 million | Not published | 575 to 650 credit score, 12+ months, $100,000 to $250,000 revenue | A+, not accredited | |
| OnDeck | Term $5,000 to $400,000; line $6,000 to $200,000 | Average 53.2% APR term, 59.8% APR line | 625 FICO, 1 year, $100,000 revenue | A+, accredited | Read review |
| Bluevine | Line of credit up to $250,000 | Rates as low as 7.8% for top qualifying customers | 625 FICO, 12 months, $10,000 monthly revenue | Not verified | Read review |
| National Funding | $6,000 to $500,000 working capital; up to $150,000 equipment | Not published; factor rate | Generally 6 months in business | A+, accredited | Visit site |
Small business financing companies we reviewed
-
Biz2Credit This review BestGuide rating: 4.0 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Established businesses with at least a year of history and six-figure revenue that need $25,000 to $2 million or more and can compare a written offer against other lenders. -
Bluevine BestGuide rating: 4.2 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: LLCs and corporations with a year of history and steady monthly revenue that want a revolving line of credit up to $250,000 alongside a no-fee business checking account. -
Fundbox BestGuide rating: 4.2 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Small businesses that want a revolving line of credit with a fast online decision and plan to repay each draw quickly. -
Lendio BestGuide rating: 4.1 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Small business owners who meet basic minimums and want to compare several loan types and lenders through one application. -
National Funding BestGuide rating: 4.1 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Established businesses with steady revenue that need working capital or equipment quickly and have compared the total payback with other offers. -
OnDeck BestGuide rating: 3.9 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Established small businesses with steady revenue that need short-term cash within a day or two and can afford frequent payments.
Biz2Credit pricing at a glance
Biz2Credit products and published requirements, as listed October 20261
| Product | Amount | Term | Minimum credit score | Minimum revenue | Time in business |
|---|---|---|---|---|---|
| Term loan | $25,000 to $2 million | 3 to 60 months, fixed rate | 650 FICO | $100,000 a year | 12 months (page also says 15) |
| Revenue-based financing | $25,000 to $2 million+ | Repaid from receivables; factor rate | 575 | $250,000 a year | 1 year |
| Line of credit | Up to $500,000 | 12-month draw period, then review for renewal | 650 FICO (majority owner) | $250,000 a year, based on last 6 months | 12 months |
| Commercial real estate loan | $250,000 to $6 million | 5 to 20 years | 650 | Not published | 18 months |
Biz2Credit does not publish interest rates, APRs, factor rates or fees for any product. The line of credit is only offered in 30 states and DC, and higher revenue requirements may apply in Alaska, Nebraska, New Jersey, Oregon and DC.
Biz2Credit, step by step
Create an account and prequalify
You open a Biz2Credit account online with basic business details such as legal name, structure, EIN, industry, revenue and time in business.
Submit the application and bank statements
You upload business bank statements and, depending on the product, tax returns, financial statements and formation documents.
Get matched and receive an offer
Biz2Credit matches you to a product and sends an offer; it says decisions can come in as little as 24 hours. Ask for the APR, total repayment and every fee in writing.
Sign and get funded
Once you sign, funds are deposited into your business account. Revenue-based financing is repaid from a share of your receipts; term loans have fixed payments.
Draw or renew
On the line of credit, you make a minimum initial draw and can request more through the portal for 12 months; each draw is subject to review, and the line is reassessed for renewal.
Biz2Credit legitimacy and licensing
Yes. Biz2Credit, Inc. was founded in 2007 and is based at 1 Penn Plaza in New York. It lends directly: its site says term loans are made by Itria Ventures LLC, its subsidiary, or by Cross River Bank, Member FDIC, and Itria holds California Financing Law license 60DBO-35839. Biz2Credit also sells lending software to banks under the Biz2X name. It says it has provided more than $8 billion in financing, and another part of its site says more than $12 billion.
The BBB gives Biz2Credit an A+ rating, though it is not BBB accredited, and lists 33 complaints in the last three years. On Trustpilot it averages 4.6 out of 5 from 15,733 reviews, a profile the company actively invites customers to review.
The red flag is regulatory. In March 2024, Biz2Credit and Itria Ventures agreed to pay $33 million to settle FTC charges that they advertised PPP loan applications would be processed in an average of 10 to 14 business days when processing took well over a month, and that they ignored requests to withdraw applications. The order bars them from misrepresenting processing times, approval odds or application status and requires them to let applicants withdraw promptly.
Biz2Credit rates, terms and requirements
Biz2Credit does not publish interest rates, APRs, factor rates or fees for any product, so you only learn the cost after you apply. Its published requirements are:
- Term loan: $25,000 to $2 million, fixed rate, 3 to 60 months. 650 FICO, $100,000 in annual revenue and at least 12 months in business (the same page also says 15 months).
- Revenue-based financing. Funding repaid as a fixed share of your future sales. Compare small business financing companies: $25,000 to $2 million or more, repaid as a share of future receivables with a Factor rate. A multiplier showing total repayment, such as 1.2 meaning $1.20 back per $1 borrowed. Compare small business financing companies. 575 credit score, one year in business, $250,000 in annual revenue.
- Line of credit. Revolving credit you can draw and repay up to a set limit. Compare small business financing companies: up to $500,000, drawn over 12 months after a minimum initial draw. 650 FICO for the majority owner, $250,000 in annual revenue based on the last six months, 12 months in business.
- Commercial real estate: $250,000 to $6 million over 5 to 20 years, 650 credit score, 18 months in business and an appraisal.
A factor rate is not an interest rate. A factor of 1.3 on $100,000 means you repay $130,000, and if you repay over a few months the APR. The yearly cost of a loan including interest and fees, used to compare offers. Compare small business financing companies can be very high. Ask for the APR, the total repayment and all fees in writing before you sign.
Where the Biz2Credit line of credit is available
The line of credit is only offered in 30 states and DC: Alabama, Alaska, Arizona, California, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Mississippi, Missouri, Nebraska, New Hampshire, New Jersey, New Mexico, Oregon, South Carolina, Utah, Virginia, Washington, West Virginia, Wisconsin and Wyoming. Biz2Credit says higher revenue requirements may apply in Alaska, Nebraska, New Jersey, Oregon and DC.
Businesses in New York, Texas, Florida and other states not listed can still apply for the term loan or revenue-based financing.
What customers say about Biz2Credit
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Responsive, patient case managers who explain each step
- Fast funding once documents are in
- Straightforward online portal for uploading documents
Common complaints
- Unclear loan statements and fee breakdowns after funding
- Slow replies or gaps in communication from support staff
- A process that felt complicated even when applicants followed instructions
Biz2Credit complaints and what customers report
Most Trustpilot reviews are positive and name individual case managers who explained the process and moved quickly. The 10% of one-star reviews mostly describe unclear statements and fee breakdowns after funding, slow replies from support and a process that felt complicated. The BBB lists 33 complaints in three years. The CFPB database shows no complaints, which is expected because it mainly covers consumer products, not business loans.
The largest documented problem is the PPP-era conduct covered by the 2024 FTC settlement. If you apply now, keep a record of every processing time or approval estimate you are given, and remember you can withdraw your application.
The rules that protect business borrowers
Most consumer lending laws, including the Truth in Lending Act’s APR disclosure, do not cover business loans. Some states fill the gap: California, New York and several other states require commercial financing providers to disclose an estimated APR and total cost on many offers, so ask for that disclosure even if you are elsewhere.
The FTC can act against unfair or deceptive business lending practices, and it warns business owners to get every term in writing, understand factor rates and confession of judgment clauses, and watch for upfront fees. Check for a personal guarantee or a lien on business assets in the contract. You can report problems to the FTC at ReportFraud.ftc.gov and to your state attorney general.
Free help is available from SBA resource partners such as SCORE and Small Business Development Centers, which can review an offer with you before you sign.
Who should skip Biz2Credit
Skip it if you need less than $25,000, have under a year in business or earn less than $100,000 a year, since you will not meet the minimums. It is also a poor fit if you want to compare published rates before handing over bank statements; OnDeck publishes average APRs and Bluevine publishes a starting rate.
If you can wait a few weeks and have solid credit, an SBA 7(a) loan or a bank or credit union loan will usually cost much less than revenue-based financing.
Alternatives to Biz2Credit
-
SBA Lender Match
Free SBA tool that connects you with SBA-approved lenders; SBA 7(a) loans usually cost far less than online loans if you can wait for approval.
-
OnDeck
Better if you need less than $25,000 or want to see published average APRs before you apply.
-
Bluevine
A line of credit with published requirements and starting rate, and lower revenue minimums than Biz2Credit's line.
-
A local bank, credit union or CDFI
Community lenders often offer lower rates and free advice, and CDFIs work with businesses that banks turn down.
Biz2Credit reviews
Written by readers, read by our moderators, never edited by the company.
No reader reviews yet. If you have used Biz2Credit, yours will be the first.
Write a reviewHow do I know I can trust these reviews about Biz2Credit?
- Every reviewer confirms an email address before a review can publish.
- Our moderators read every review before it publishes.
- Companies can respond publicly but can never edit, hide or remove a review.
- Paying BestGuide never changes the reader rating or which reviews publish.
Frequently asked questions
Is Biz2Credit a direct lender?
Yes, for its own products. Term loans are made by its subsidiary Itria Ventures LLC or by Cross River Bank, Member FDIC. It also matches applicants to the product that fits.
Can you trust Biz2Credit?
Yes. It has lent since 2007, holds an A+ BBB rating and a 4.6 Trustpilot score. In 2024 it paid $33 million to settle FTC charges over misleading PPP processing claims, so read every offer closely.
What credit score does Biz2Credit require?
650 FICO for term loans, the line of credit and commercial real estate loans, and 575 for revenue-based financing.
What are Biz2Credit's interest rates?
Biz2Credit does not publish rates, APRs, factor rates or fees. You see the cost only in your offer, so ask for the APR and total repayment in writing.
How much can I borrow from Biz2Credit?
Term loans and revenue-based financing run from $25,000 to $2 million or more, the line of credit goes up to $500,000, and commercial real estate loans run from $250,000 to $6 million.
How fast does Biz2Credit fund?
It says decisions can come in as little as 24 hours. Funding timing depends on how quickly you provide documents and on the product.
What was the Biz2Credit FTC settlement?
In March 2024, Biz2Credit and Itria Ventures agreed to pay $33 million over FTC charges that they advertised PPP applications would be processed in 10 to 14 business days when it took well over a month. The order bars similar misrepresentations.
What is Itria Ventures?
Itria Ventures LLC is the Biz2Credit subsidiary that makes many of its loans. It is licensed under the California Financing Law, and you may see its name on your loan documents or bank debits.
Is the Biz2Credit line of credit available in my state?
Only in 30 states and DC, including California, Illinois, New Jersey and Virginia. It is not offered in New York, Texas or Florida, among others.
What documents does Biz2Credit ask for?
Business bank statements, your EIN and business structure, and for term and real estate loans, tax returns and financial statements. Real estate loans also need a property appraisal.
Sources (12)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Biz2Credit: Home page and lending disclosures (accessed October 12, 2026)
- Biz2Credit: Term loan (accessed October 12, 2026)
- Biz2Credit: Revenue-based financing (accessed October 12, 2026)
- Biz2Credit: Line of credit and eligible states (accessed October 12, 2026)
- Biz2Credit: Commercial real estate loans (accessed October 12, 2026)
- FTC: Actions against companies making deceptive pandemic loan promises lead to record $59 million in damages (March 18, 2024) (accessed October 12, 2026)
- FTC: Biz2Credit, Inc., FTC v. case page (accessed October 12, 2026)
- BBB: Biz2Credit, Inc. business profile (accessed October 12, 2026)
- Trustpilot: Biz2Credit reviews (accessed October 12, 2026)
- CFPB: Consumer complaint database search, Biz2Credit (accessed October 12, 2026)
- SBA: Lender Match (accessed October 12, 2026)
- OnDeck: Small business loans and average APRs (accessed October 12, 2026)
BestGuide is free to use. Some companies we review pay us when you visit their site or contact them through us. Compensation may influence which companies we feature and their order. It doesn't change what our reviews say. Advertising disclosure