Biz2Credit is a loans marketplace that offers quick turnaround term and working capital loans from $25,000 to $6,000,000. But you’ll need a minimum of $10,000 in monthly revenue and a credit score of 600 or higher to qualify. And it only offers a handful of loan types, which don’t include short-term options like lines of credit or merchant cash advances.
If you’re a newer business, have bad credit or need more loan options than what Biz2Credit offers, these sites like Biz2Credit may suit your needs better.
If you want to quickly find the best financing options for your situation, consider the Lendio marketplace. Lendio has 75+ partners you can search with a single application and offers significantly more loan options than Biz2Credit. Compare term and SBA loans, lines of credit, merchant cash advances, accounts receivable financing, equipment loans and more.
Lendio is highly rated by past clients, who praise the company for its fast, streamlined application process. You can also call the company to connect with a loan officer who can help you narrow down the best loan for your situation. And it's known to be fast, with 24-hour turnaround on certain loan types. But be prepared to receive a large number of marketing calls and emails.
Pros
Options for bad credit
Wide range of financing options
Phone support available
Cons
Funding fees may apply to your loan
Marketing may continue after being funded
Loan amount
$1,000 – $10,000,000
APR
Varies by lender
Min. Credit Score
500
Loan term
3 months to 25 years
Requirements
Operate business in US or Canada for 6 months or more, have a business bank account, minimum 520 personal credit score, at least $8,000 in monthly revenue.
Lendzi is a highly rated business loans marketplace that lets you compare 60+ traditional and alternative lenders with a single application. It offers term loans and quick turnaround, short-term loans that you won't find at Biz2Credit, like lines of credit, merchant cash advances (MCAs) and invoice factoring.
But where it really stands out from other marketplaces is customer ratings. The company gets overwhelmingly high marks from past clients on Trustpilot, Google reviews and the Better Business Bureau (BBB) websites. However, you won't find any information about its partners' rates and fees online.
Pros
Options for bad credit
No hard credit checks
Phone support available
Direct lender for some loans
Cons
No information about rates or fees
Full list of lending partners not available
Founders' information hard to find
Loan amount
$5,000 – $20,000,000
APR
Varies by lender
Min. Credit Score
500
Loan term
6 months to 25 years
Requirements
Minimum credit score of 500, minimum annual revenue of $50,000, preferably one to two years in business
Businessloans.com is a simplified marketplace featuring a quick, easy-to-fill-out form with minimum personal information required and no hard credit check. Unlike Biz2Credit, there's no minimum credit score requirement, but your loan options may be more limited if your score is under 500.
But you won't find any information about its partner network, interest rates or fees. There's also no phone number to call if you need help. But if you're looking for a quick and straightforward way to search multiple lenders to see your options, it's a good place to start.
Pros
Good customer reviews online
Simplified online form with no hard credit check
All credit types accepted
Cons
Partners not listed
Rates and fees not disclosed
No published phone number
Loan amount
$5,000 – $3,000,000
APR
Varies by loan type and lender
Min. Credit Score
500–650, depending on the lender
Loan term
3 months to 10 years
Requirements
Must have been in business between 1 to 2 years, have a minimum revenue of $75,000 to $250,000 and have a minimum credit score of 500 to 650.
Looking to grow your business? SBA loans can be a good choice. The SmartBiz marketplace offers SBA loans up to $500,000 with repayment terms of up to 10 years. SmartBiz helps speed up the SBA application process by allowing you to fill out a single form to get matched with multiple SBA lenders.
Its online prequalification process takes a few minutes, and if approved, you could have funds in as soon as 30 days. To qualify for an SBA loan through SmartBiz, you must be in business for at least two years. And you'll be on the hook for a 2% referral fee and 2% packaging fee if your loan is approved.
Pros
Help with SBA loan applications
Online prequalification available
Good customer reviews
Cons
Up to 4% in fees apply
Minimum loan amount is $30,000
Loan amount
$30,000 – $500,000
APR
Prime Rate, plus 2.75% to 4.75%
Loan term
10 years
Requirements
650+ credit score, 2+ years in business, $50,000+ in annual revenue, no bankruptcies or foreclosures in past 3 years
Founded in 1996, LendingTree is an established marketplace with a whopping 500 lending partners across its loan categories. It partners with many of the top names in the business lending space and has an easy-to-use form to help you find a loan based on your business structure — from sole proprietorships to corporations.
While it's not upfront about its eligibility requirements for business loans, it has a large network of business lending partners that accept a wide range of credit scores — as low as 500. It states that it chooses small business loans from online lenders that cover small, medium or large expenses, so your bases are covered.
Pros
No fees from LendingTree
Good ratings on Trustpilot
Options for bad credit
Cons
May receive a large volume of marketing communications
Does not specialize in business loans
Loan amount
Varies by lender and type of financing
APR
Varies
Min. Credit Score
Good to excellent credit
Loan term
Varies by lender and type of financing
Requirements
Varies by lender, but many require good personal credit, minimum annual revenue and minimum time in business
The GoKapital marketplace offers significantly more loan options than Biz2Credit and has more relaxed requirements. It has 15 types of short- and long-term loans, including SBA loans, term loans, lines of credit, merchant cash advances and doesn't shy away from lending to certain high-risk industries.
GoKapital works with cannabis, healthcare and construction businesses, which sometimes have a hard time qualifying. It also doesn't have any personal credit requirements for business owners, and you can get connected in as little as a few minutes — potentially getting funds in as little as one day.
Pros
Only need to be in business for 4 months
High chance of getting connected if you qualify
Available in all 50 states
Also a direct lender
Cons
Loans start at $50,000
Minimum $20,000 a month revenue requirement
Some high-risk industries excluded
Loan amount
$50,000 – $5,000,000
APR
6% to 18%
Min. Credit Score
500
Requirements
Minimum of $12,500 average monthly revenue. At least four months of business bank account statements.
Loan amount
$50,000 – $5,000,000
APR
6% to 18%
Min. Credit Score
500
How does Biz2Credit compare?
Biz2Credit is a highly-rated business loans marketplace that caters to established businesses. Using Biz2Credit, you’ll have access to working capital loans, term loans, and commercial real estate (CRE) loans, as well as ERTC loans for businesses with a valid Employee Retention Credit (ERC) refund claim with the IRS. But unlike the other marketplaces on this list, it doesn’t offer SBA loans, equipment loans or short-term financing options like lines of credit, merchant cash advances or invoice factoring.
Kat Aoki was a personal finance writer at Finder, specializing in consumer and business lending. She’s written thousands of articles to help consumers make better decisions on their home loans, bank accounts, credit cards, cryptocurrency and more. Kat is well versed in working with leading brands in the real estate, mortgage and personal finance industries, and her expertise has been featured on Forbes Advisor, Lifewire and financial comparison sites like iSelect and realestate.com.au. She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time. See full bio
Kat's expertise
Kat has written 187 Finder guides across topics including:
BHG Money is a nonbank lender that offers investment, debt consolidation, startup and healthcare-related loans to licensed professionals. Borrow up to $250K with minimal requirements.
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