Biz2Credit Review 2022 – Forbes Advisor


Biz2Credit offers loans through its subsidiary, Itria Ventures, LLC. If they are unable to fund your loan, they can put you in touch with other partner lenders, who may have different business loan requirements.

In general, these requirements typically include information from an applicant’s credit profile and other factors that demonstrate the ability to repay the loan, such as business income. Meeting the requirements below does not guarantee approval, but they can help you decide if a business loan is right for you.

Personal credit score

Some of Biz2Credit’s products require a higher minimum credit score than others. If you are interested in a working capital loan, you will need a credit score of at least 575. For business term loans and commercial real estate financing, you will need a credit score of at least 575. at least 660.

Time spent in business

Minimum business tenure requirements vary by loan type. Working capital loans require you to have been in business for at least six months. For commercial real estate loans and business term loans, you will need to have been in business for at least 18 months. Although these are the minimum requirements, Biz2Credit recommends having at least two years of business experience in order to have the best chance of approval.

Annual revenue needs

To apply for funding through Biz2Credit, your business will need a minimum annual revenue of $250,000, regardless of the product you are applying for. This is high compared to other lenders and will exclude a lot of small businesses.


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