- Biz2Credit (since 2007) is both a direct funder and a marketplace, offering term loans, revenue-based financing, lines of credit, and commercial real estate loans plus a partner network from one application.
- It best fits established businesses that want to compare several options or access larger loan amounts than some online-only lenders.
- Costs and terms vary widely by product and partner, some products aren't available in every state, and direct term loans require minimum revenue, credit, and time in business.
Biz2Credit at a glance
Biz2Credit is an online financing platform that has helped fund small businesses since 2007. It operates in two ways: it funds some products directly and it connects borrowers with a network of partner lenders, including banks that use its technology to offer their own loans. That hybrid model means a single application can surface several types of financing.
What Biz2Credit offers
- Term loans — a lump sum repaid over a fixed term, suited to a specific growth project or one-time expense.
- Revenue-based financing — funding repaid as a share of business receipts, which flexes with your sales.
- Business line of credit — revolving funds you draw on as needed, paying interest only on what you use (availability varies by state).
- Commercial real estate loans — larger-balance financing to purchase, refinance, or improve owner-occupied or investment property.
- Partner-network financing — through its lending partners, Biz2Credit can also point owners toward products like SBA 7(a) loans, invoice factoring, and working-capital lines.
Who it’s best for
Biz2Credit fits established businesses that want to compare more than one financing option without applying in several places. Owners seeking larger loan amounts, or those who want a single front door to both direct funding and bank partners, may find it convenient. Brand-new businesses or those with weaker credit may not qualify for the direct term loan and should weigh the alternatives presented.
How to decide
Because Biz2Credit spans several products and funding sources, the exact rate, fees, and terms depend heavily on which option you’re offered — and these can change, so always confirm the current numbers before you commit. The simplest way to benchmark is to apply once through Hoss Capital. We’ll match you with Biz2Credit and comparable lenders so you can weigh real offers side by side.
- Multiple products plus a partner network from one application
- Fast online prequalification and decisioning on direct funding
- Larger loan amounts available than some online-only lenders
- Long operating history and a well-known brand in online lending
- – Costs and terms vary widely by product and partner; compare carefully
- – Some products (e.g., the line of credit) are not available in every state
- – Direct term loans require minimum revenue, credit, and time in business
Biz2Credit FAQs
Is Biz2Credit a direct lender or a marketplace? +
Both. Biz2Credit directly funds products like term loans and revenue-based financing (made or arranged through its affiliated lender, Itria Ventures LLC), and it also connects borrowers with partner banks and lenders for products such as SBA loans. Where your funding comes from depends on your profile and the product.
What does Biz2Credit require to qualify? +
Requirements vary by product, but direct term loans generally look for a minimum credit score, a minimum annual revenue, and sufficient time in business. Exact criteria are set by the funding source and can change, so confirm current terms before applying.
What's a good alternative to Biz2Credit? +
Other online lenders and marketplaces offer term loans and lines of credit with different terms. The fastest way to compare is to apply once through Hoss Capital and get matched with Biz2Credit and comparable options side by side.
Last updated: June 2026