Biz2Credit review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Biz2Credit suits US small businesses that want a bigger facility than typical peer lenders and a soft prequalification before committing. It works as a broker, matching $25,000 to $2,000,000 to fixed rate business, secured and credit line products repaid over 3 to 60, with support on phone.

Key facts

Best for
US small businesses after a larger fixed rate facility with a soft prequalification.
Loan amount
$25,000 to $2,000,000 (Source, checked September 26, 2026)
Term
3 to 60 months (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
US small businesses with at least $100,000 annual revenue, credit score 650 or higher, and minimum 12 months in business (Source, checked September 26, 2026)
Loan types
Business, Secured, Credit-line (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
Biz2Credit Inc. (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2007 (Source, checked September 26, 2026)
Support channels
Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
biz2credit.com

Apps and profiles

Elsewhere
TrustpilotLinkedInXfacebook.com

Pros and cons

Pros

  • Soft prequalification (soft prequal) keeps an early check off the hard search record.
  • Fixed rate pricing (fixed) and a credit line (credit line) sit on the same application.
  • Facility size of $25,000 to $2,000,000 against a €17,539.24 upper end elsewhere in the field.

Cons

  • The broker model (broker) means the lender, the rate and the final terms are settled after you apply.
  • Support runs on phone only, with no email or chat channel listed.
  • A credit bar of fair plus a revenue and trading period condition rules out thin files and start-ups.
Biz2Credit

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Scored 8.7 / 10 by BorrowCue.

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Who it suits

  • US small businesses that clear the revenue, credit score and trading period conditions.
  • Owners who want a credit line (credit line) alongside a fixed rate term loan.
  • Borrowers who would rather see a soft prequalification (soft prequal) than a full credit check.

Who should look elsewhere

  • Borrowers after a small short term facility, where Cashspace offers PHP 500 to PHP 25,000 on a far smaller scale.
  • Businesses wanting a euro lender in the euro area rather than the US market, which is where Creduma ES works from from €12,000.
  • Anyone after a facility larger than €12,000 to €300,000, the ceiling at Sofkredit.

Safety and regulation

Biz2Credit is a broker, so the balance you owe sits with a partner lender rather than with Biz2Credit, and broker is what the listing records. The regulator named is the California Department of Financial Protection and Innovation, listed as 60DBO-35839 for the US market.

Who runs it

The legal entity is Biz2Credit Inc., headquartered in the US and founded in 2007. The California Department of Financial Protection and Innovation licence is listed as 60DBO-35839. Support runs on phone only, so questions go by phone rather than email or chat.

How Biz2Credit compares

Where Biz2Credit is available

Available
United States
Licence in United States
California Department of Financial Protection and Innovation (60DBO-35839), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow through Biz2Credit?+

Facilities run $25,000 to $2,000,000 across the products it places, which sits well past the €17,539.24 upper end of most business loans in the same field. The exact figure depends on the lender Biz2Credit matches and the strength of the application rather than on one published cap.

How long is the repayment term?+

Terms run 3 to 60 on the term loans it places. That is shorter than the 42 median term across business loans here, so repayment is planned around a business cycle rather than a long horizon.

Does Biz2Credit run a credit check?+

The credit check listed is soft prequal, so an early look does not carry the same weight as a full application. Hard searches are the more common pattern in this field, with 72.7% of listings using them, so treat the prequalification as a shortlist rather than a decision.

Who regulates Biz2Credit?+

The licence on record is the California Department of Financial Protection and Innovation, listed as 60DBO-35839 for the US. Biz2Credit is a broker, so the licence covers the matching side while the loan itself is written with a partner lender.

Can I get a credit line as well as a loan?+

The listed products are business, secured and credit line. A credit line is the more flexible of them, drawing only what the business needs, while a term loan fixes the amount and the 3 to 60 repayment schedule from the start. Secured lending sits alongside both for businesses with collateral.

Who qualifies for a Biz2Credit loan?+

Eligibility is aimed at US small businesses that meet a minimum annual revenue, a credit score floor and a minimum trading period, so very new sole traders sit outside the range. The credit bar is fair, and the soft prequal check lets most applicants see where they stand before committing.

Are the rates fixed or variable?+

The rate type is fixed and the model is fixed rate, so the monthly payment can be planned in advance rather than moving with the market. Fixed pricing covers 80.5% of the listings here, the more common pattern in this field.

How do I get help once I have applied?+

Support runs on phone only, which is the more common channel on the market at 85%. Businesses that prefer written answers by email or chat will have a thinner experience here and should plan to keep notes of each call.

Sources

  • biz2credit.com checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Features, Founded, Headquarters, Legal entity, Lender type, Pricing model, Rate type, Support channels, Licences

    “Loans Range: $25K-$2M+ (Term Loan)”

  • biz2credit.com/global/term-loan.html checked September 26, 2026

    Backs: Eligibility, Loan types, Term

    “At least $100,000 Annual Revenue, 650 or higher Credit Score, Minimum of 12 months Time in Business”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Funding time, Representative example.

Biz2Credit

Biz2Credit

US small businesses after a larger fixed rate facility with a soft prequalification.

8.7/10See alternatives

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