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There’s a moment every business owner knows, that quiet pause when cash flow tightens, an opportunity appears, or growth suddenly outpaces the money available to support it. It’s the space between ambition and resources, and it’s where Biz2Credit has built its entire business. Since 2007, the company has funded more than 200,000 small businesses and delivered over $8 billion in financing through a model built on speed, data, and simplicity.
Biz2Credit isn’t trying to replace the bank. It’s trying to give small and mid-sized businesses something banks rarely offer: a clear path to capital without weeks of waiting, layers of paperwork, or rigid repayment schedules that punish seasonality. The platform’s combination of automated prequalification, human support, and flexible products has made it a go-to option for owners who need capital that moves at the pace of real business.
Below, the Swoop team will break down what Biz2Credit offers, who qualifies, how the process works, and what you can realistically expect if you apply.
An overview of Biz2Credit business loans
Biz2Credit structures its funding around the reality that businesses don’t all grow the same way. Some have steady monthly revenue. Some swing with seasons. Others spike during expansion, hiring, or inventory cycles. Instead of forcing everyone into a single loan box, Biz2Credit built a suite of products designed to match the rhythm of your revenue, not the other way around.
The platform currently supports four primary categories:
- Revenue-Based Financing (RBF): Its most widely used product
- Business Term Loans: Fixed-term, fixed-payment funding
- Commercial Real Estate (CRE) Loans: Property-backed lending
- Business Line of Credit: On-demand working capital
Every product begins the same way with a streamlined online application, a profile-driven prequalification estimate, and access to funding specialists who guide you through underwriting.
Unsecured business loans
If your revenue is strong but your cash flow fluctuates, or if traditional collateral isn’t an option, Biz2Credit’s revenue-based financing is designed with your reality in mind.
Instead of giving you a loan with fixed monthly payments, Biz2Credit purchases your future receivables at a discount. You receive a lump sum upfront, and repayment happens automatically through a percentage of your daily revenue. When sales dip, repayment slows; when sales rise, repayment accelerates. There’s no fixed term and no interest rate, because this isn’t a loan, it’s a receivables sale agreement.
That flexibility is the core appeal. Seasonal businesses, high-growth companies, and industries with natural revenue swings often struggle to manage traditional debt. RBF adapts to those swings rather than penalizing them.
Key Details:
- Financing range: $25,000 to $6 million
- Average financing amount: $110,000
- Prequalification time: Around 60 seconds
- Minimum requirements:
- $250,000+ annual revenue
- 575+ credit score
- 12 months in business
There is no physical collateral required, but Biz2Credit does file a UCC lien on receivables and typically requires a performance guaranty from one or more owners.
Secured business loans
For businesses with strong financials, steady revenue, and the ability to handle fixed repayment schedules, Biz2Credit’s secured loans offer more traditional options, often at higher borrowing limits and with clearer repayment structures.
Biz2Credit term Loans
Term loans provide predictable financing with standard amortisation, fixed monthly payments, and set maturities.
Key Details:
- Loan range: $25,000 to $1 million
- Repayment term: 12 to 36 months
- Minimum requirements:
- $250,000+ annual revenue
- 650+ credit score
- 18 months in business
These loans generally require a personal guaranty. They suit businesses with stable cash flow and clear plans for how funds will generate a return, whether that’s expansion, staffing, equipment, or upgrades that directly improve revenue.
Commercial real estate loans
Biz2Credit’s CRE loans are designed for owners who want to buy, refinance, or renovate commercial property, or unlock the equity already in one.
Key Details:
- Loan amounts: $250,000 to $6 million
- Terms: 5 to 20 years
- Option for interest-only periods
- Minimum requirements:
- $250,000+ annual revenue
- 650+ credit score
- 18 months in business
- Existing equity in a commercial property
For entrepreneurs ready to scale into property ownership or leverage their existing real estate, these loans offer long-term stability and the ability to turn commercial space into a strategic asset.
Growth Guarantee Scheme
Biz2Credit does not participate in any government-backed Growth Guarantee Scheme or SBA-backed lending program. All financing is privately underwritten — largely through its affiliate, Itria Ventures LLC — and terms are determined solely by Biz2Credit’s criteria, not government guidelines.
That makes approvals faster, but also means businesses must meet Biz2Credit’s revenue and credit standards without government mitigation.
Additional funding products
Beyond traditional and alternative lending, Biz2Credit now offers a line of credit — a flexible, revolving option designed for companies that need access to capital at unpredictable intervals.
A line of credit provides a maximum limit (up to $500,000) that businesses can draw from whenever cash flow tightens or opportunities arise. You only pay for what you use, and the 12-month access period allows for repeated draws, subject to underwriting.
Minimum requirements:
- $250,000+ annual revenue
- 650+ credit score
- 12+ months in business
For businesses juggling inventory cycles, vendor payments, or uneven revenue periods, this option fills a gap between short-term loans and revenue-based financing.
What is Biz2Credit's typical interest rate
Biz2Credit does not publish fixed interest-rate ranges, and the structure depends entirely on the product:
- Revenue-based financing: There is no interest rate. The total repayment amount is set upfront based on the receivables sale (not APR), and repayments shift with revenue.
- Term loans and line of credit: These follow conventional interest-bearing structures, but exact rates aren’t listed publicly. Rates depend on credit quality, revenue strength, industry, and loan size.
- Commercial real estate loans: Terms can include interest-only periods depending on qualifications, making early years more cash-flow-friendly.
How much can I borrow with a Biz2Credit business loan?
Based strictly on Biz2Credit’s product descriptions:
- Revenue-based financing: $25,000 to $6 million
- Term loans: $25,000 to $1 million
- Line of credit: Up to $500,000
- Commercial real estate loans: $250,000 to $6 million
Biz2Credit’s capacity spans everything from quick cash-flow support to multi-million-dollar real estate financing, an unusually wide range for an online lender.
What is the acceptance rate for a Biz2Credit business loan?
Biz2Credit does not disclose acceptance rates. However, its published minimums, especially the 575 credit score requirement for revenue-based financing and 12-month operating minimum, make it clear that the platform is designed to serve a broad slice of established small businesses.
High-revenue, younger businesses may not qualify for term loans, but RBF is specifically built to accommodate fluctuating revenue patterns that banks often decline.
Eligibility criteria and whether you qualify
Biz2Credit evaluates applicants based on the stability, volume, and duration of their revenue, plus creditworthiness and business maturity.
| Product | Revenue | Credit Score | Time in Business | Other Requirements |
|---|---|---|---|---|
| Revenue-Based Financing | $250,000+ | 575+ | 12 months | UCC lien on receivables |
| Term Loan | $250,000+ | 650+ | 18 months | Personal guaranty |
| Line of Credit | $250,000+ | 650+ | 12 months | Based on the last 6 months of revenue |
| CRE Loan | $250,000+ | 650+ | 18 months | Existing commercial equity |
If your revenue is consistent and you meet the basic credit threshold for your chosen product, you’ll likely be presented with at least one funding path.
Additional information
Even the simplest funding product comes with details that shape the real borrowing experience. Biz2Credit keeps its process relatively straightforward, but it’s still important to understand how each product behaves once you’re past the application stage. Here’s what business owners should keep in mind before signing an agreement.
Early repayment fees
Early repayment is allowed, but the impact varies:
- Revenue-based financing: Paying early does not reduce your total repayment amount.
- Term loans and CRE loans: Early payoff may save interest depending on the structure.
Always review your specific agreement.
How long does it take to get approved?
- Prequalification: about 60 seconds
- Full funding decision: typically 24 to 72 hours
Estimated time to receive funds
Most customers receive financing within 1 to 3 business days after approval.
Can a loan be repaid early?
Yes, but early payoff may not reduce the cost of RBF since the total amount is predetermined.
Is security required?
Biz2Credit uses several types of security depending on the product:
- RBF: UCC lien on receivables
- Term loans: Personal guaranty
- Line of credit: May require UCC filings
- CRE loans: Secured by commercial property
What documentation is required
Biz2Credit’s documentation is lighter than that of traditional lenders, but still thorough.
Business information
- Tax ID (EIN)
- Business name, structure, and industry
- Revenue documentation (bank statements, accounting data)
- Time in business
Business owner information
- Identification and contact information
- Social security number for verification
- Credit score data
Funding requirement
- Loan amount requested
- Purpose of funding
- Related supporting details (property info for CRE loans, etc.)
How to apply for a Biz2Credit business loan
Biz2Credit’s process is built for speed:
- Create your account
Enter core business details and begin prequalification. - Get prequalified
See an initial estimate of eligibility — without affecting your credit score. - Submit your application
Upload revenue documentation and complete a short financing needs form. - Receive your funding decision
Underwriting typically responds within 24 to 72 hours.
Funds are disbursed digitally shortly after contract signing.
Is the application process different to other lenders?
Yes, significantly. Biz2Credit reduces friction by combining automation with human support. Prequalification takes seconds. Most documentation is uploaded directly through its dashboard. Funding specialists guide applicants step by step. For many small businesses used to long bank timelines, the speed alone is transformational.
How to improve your chances of getting funded
- Maintain consistent monthly revenue
- Use digital bookkeeping tools for clean financials
- Separate business and personal accounts
- Highlight growth opportunities in your application
- Prepare documents ahead of time
- Apply with a clear, specific funding purpose
The more predictable your revenue story looks, the easier the underwriting conversation becomes.
Pros & cons of a Biz2Credit business loan
No lender is perfect for every business, and Biz2Credit is no exception. Its speed and flexibility are major advantages, but the structure of its products can come with trade-offs worth weighing before you apply. Here’s a clear look at where Biz2Credit stands out and where it may fall short, depending on your needs.
Pros
- Fast approvals and funding — often within two to three days
- Revenue-based repayment that adjusts with sales
- High borrowing limits across multiple products
- Dedicated funding specialists for personalized support
- Streamlined digital application and dashboard
Cons
- Revenue-based financing can be expensive compared to traditional loans
- Early repayment may not reduce the total cost of RBF
- Higher credit requirements for term loans and credit lines
- Not all products are available in every state
Alternative funding options for different lenders
If Biz2Credit’s products don’t match your needs, there are alternatives:
- Traditional banks
- SBA loan programs
- Fintech lenders offering short-term working capital
- Invoice financing and asset-based lending solutions
Different structures suit different cash-flow realities; Biz2Credit is one strong option among many.
Why use a finance broker?
A broker like Swoop helps you avoid blind spots. Instead of applying lender by lender, hoping one fits, Swoop lets you compare multiple funding options through a single application, with guidance from real experts who understand eligibility, repayment structures, and hidden pitfalls.
For many business owners, this increases approval odds and reduces time wasted on mismatched applications.
Get started with Swoop's business funding platform
If you want to compare Biz2Credit’s products with other lenders, or simply understand which funding options your business realistically qualifies for, Swoop gives you a clearer, easier way to get there. With one application, you can review tailored offers, weigh the trade-offs, and move forward with financing that actually fits your business.
If you’re ready to explore your options and secure the right support for your next stage of growth, apply with Swoop today.
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