Biz2Credit
Biz2Credit is a US digital lending marketplace founded in 2007 that provides term loans, revenue-based financing, lines of credit, and SBA loans to small and mid-sized businesses. Its AI-powered platform has facilitated over $12 billion in financing to 225,000+ businesses via self-serve, CPA partner, and embedded bank channels.
- Company typePrivate
- Founded2007
- HeadquartersNew York, United States
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
What Biz2Credit does
Biz2Credit is a US digital lending marketplace founded in 2007 and headquartered in New York that provides small and mid-sized businesses with access to term loans ($25,000-$2,000,000+), revenue-based financing, lines of credit (up to $500,000), commercial real estate loans, SBA loans, disaster loans, merchant cash advances, and equipment financing. The company reports more than $12 billion in cumulative business loan originations across 225,000+ funded small businesses since inception, operating under a self-serve online application model supplemented by inside phone sales (800-200-5678) and a CPA Business Funding Portal with 6,000+ accounting firm partners under a strategic agreement with CPA.com. Underlying technology is an AI-powered credit assessment engine that ingests real-time business data, bank statements via Yodlee aggregation, and alternative data sources to deliver underwriting decisions in as fast as 24 hours, with supporting tools including the BizAnalyzer virtual CFO, DocVault document management, and a Business Loan Calculator.
The business model combines loan origination fees, interest income from its direct lending subsidiary Itria Ventures LLC, partner referral commissions, and platform fees, with loans actually funded either by Itria Ventures or by Cross River Bank (Member FDIC). Distribution is hybrid: self-serve online plus inside sales serve the long-tail SMB segment directly, while CPA firms, associations (AWBC, Main Street Alliance), and media partners (Univision) drive targeted acquisition into underserved and minority-owned business segments. Revenue is generated across multiple products with quote-based pricing that is not publicly disclosed, and the company holds SOC 2 Type 2 and ISO 27001 certifications.
The wholly-owned subsidiary Biz2X, with engineering offices in Noida and Pune, India, packages the underlying AI-driven lending technology as a SaaS platform licensed to banks and financial institutions, including Better Home & Finance Holding Company's wholesale HELOC and Closed End Second Platform ($50,000-$500,000) which launched via the Tinman AI platform in October 2025. Biz2X is independently pursuing 40-50% year-over-year growth across India and the Middle East with a planned 25% headcount expansion in FY2026-27, positioning the licensing business as a secondary growth vector alongside the core US SMB lending franchise.
Biz2Credit firmographics
Firmographics- Name
- Biz2Credit
- Legal name
- Biz2Credit Inc.
- Website
- https://biz2credit.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Biz2Credit is a US digital lending marketplace founded in 2007 that provides term loans, revenue-based financing, lines of credit, and SBA loans to small and mid-sized businesses. Its AI-powered platform has facilitated over $12 billion in financing to 225,000+ businesses via self-serve, CPA partner, and embedded bank channels.
- Ownership category
- akta.pro rank
Biz2Credit industry classification
Industry- Product category
- Digital Lending Platform
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Short-Term Business Credit Institutions (6153), Loan Brokers (6163)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
- akta.pro secondary industries
- SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM), P2P Credit Lines / Revolving Marketplace Lending (FSAKAHAK)
Keywords
Where Biz2Credit is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Biz2Credit business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Loan Origination Fees: Fees charged on loan originations facilitated through the platform; loans made by Itria Ventures LLC or Cross River Bank, Member FDIC
- Interest Income from Direct Lending: Revenue from Itria Ventures LLC, a direct funding subsidiary and Biz2Credit affiliate, providing financing products directly to small businesses
- Partner Referrals and Commissions: Commissions from partner referrals through CPA Business Funding Portal and affiliate program
- Platform and Service Fees: Fees for small business financing products and services including term loans, revenue-based financing, lines of credit, and commercial real estate loans
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Term Loans: $25K-$2M+ for qualified customers |
| Transaction based/ take rate | Pay-as-you-go | Revenue-Based Financing: $25K-$2M+ |
| Usage-based | Pay-as-you-go | Line of Credit: Up to $500k |
| Transaction based/ take rate | Monthly | Commercial Real Estate Loans |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
Biz2Credit product offering
Product offeringCore offering
Biz2Credit is a digital lending marketplace and origination platform that provides small businesses with access to multiple financing products, including term loans ($25K-$2M+), revenue-based financing, lines of credit (up to $500K), commercial real estate loans, SBA loans, disaster loans, merchant cash advances, and equipment financing. Loans are made by its affiliate Itria Ventures LLC or by bank partner Cross River Bank (Member FDIC), with AI-powered underwriting producing funding decisions in as fast as 24 hours. A CPA Business Funding Portal extends distribution through 6,000+ accounting firms, and the Biz2X subsidiary licenses the patented lending technology to banks and financial institutions.
Product overview
Biz2Credit is a digital lending marketplace for small businesses offering multiple financing products through a unified online platform. The core offering consists of Term Loans ($25K-$2M+), Revenue-Based Financing ($25K-$2M+), Lines of Credit (up to $500K), Commercial Real Estate Loans, SBA Loans, Disaster Loans, and Merchant Cash Advances. Supporting tools include the BizAnalyzer virtual CFO, Business Loan Calculator, and DocVault document management. The CPA Business Funding Portal serves accounting professionals managing client financing. Biz2X, a subsidiary SaaS platform, provides the underlying AI-powered lending technology to institutional partners. The platform processes applications online, matches businesses to suitable products, and facilitates decisions within 24 hours.
Differentiator
Problem solved
Functional benefit
Brands
- BizAnalyzer: Virtual CFO tool that provides business health insights and funding pre-qualification
- BizAnalyzer Score
- DocVault
- CPA Business Funding Portal
Products and services
- Term Loan Fixed-rate term loans ranging from $25,000 to $2 million+ for eligible small business customers. Requires a FICO score of 650 and minimum $100,000 in revenue. Loans are made by Itria Ventures LLC or Cross River Bank, Member FDIC.
- Revenue-Based Financing Flexible funding ranging from $25,000 to $2 million+ repaid from business receipts, with no fixed monthly payment. Suitable for businesses with variable revenue.
- Line of Credit Revolving credit facility with limits up to $500,000 where businesses only pay interest on drawn amounts. Not available in all states. Prequalification available in minutes.
- Commercial Real Estate Loan Financing for commercial property acquisition, development, or refinancing for small business owners, with eligibility and terms varying by deal.
- SBA Loans Small Business Administration-backed loans including 7(a), 504, and Micro Loans, offering government-guaranteed financing with favorable terms for eligible small businesses.
- Disaster Loans Emergency financing and SBA disaster relief loan support for small businesses impacted by declared disasters including wildfires, hurricanes, and economic injury events.
- Merchant Cash Advance Cash advance financing based on future sales, with repayments deducted from daily credit card transactions.
- Equipment Financing Specialized financing for purchasing machinery, vehicles, technology, or other business equipment, with equipment serving as collateral.
- CPA Business Funding Portal Cloud-based platform for CPA firms to manage small business client financing applications, featuring whole-firm collaboration, centralized control, and user role management. Used by over 6,000 CPAs in partnership with CPA.com.
- BizAnalyzer Virtual CFO Virtual CFO tool providing business health insights, generating a BizAnalyzer Score, tracking financial metrics over time, and converting results into prequalified funding options for small businesses.
- Biz2X Digital Lending SaaS Platform Wholly owned subsidiary providing a patented, AI-powered digital lending SaaS platform that enables banks and financial institutions to deliver near-instant loan decisioning for HELOC, HELOAN, and small business loan products. Used by Better Home & Finance Holding Company to power its wholesale HELOC platform.
Quantifiable outcome
- Decision as fast as 24 hours
- +4 more outcomes
Companies that use Biz2Credit
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles3 records
Biz2Credit technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability5 records
Feature5 records
Biz2Credit partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- Better Home & Finance Holding CompanycoreStrategic technology partnership to offer HELOCs and HELOANs ($50,000-$500,000) for small business owners through Biz2X's AI-driven digital lending platform; powered Tinman AI wholesale HELOC platform launch in October 2025.
- PaychexminorPayroll processing partner providing HR services, payroll and tax administration, risk management and staffing solutions to Biz2Credit's small business customers through the partner ecosystem.
- ChubbminorInsurance partner offering web-based small business insurance coverage through digital experience; provides quotes and coverage options to Biz2Credit clients.
- H&R BlockminorTax preparation partner (Block Advisors) serving over 2 million small businesses annually with tax services; provides financing guidance resources for tax season.
- KeyBankminorPayment processing partner offering merchant services with potential savings up to 30% on credit card acceptance for Biz2Credit customers.
- TD BankminorBanking partner offering retail, small business and commercial banking products through extensive branch network; one of 10 largest US banks.
- CPA.comcoreStrategic partnership with CPA.com (American Institute of CPAs) to provide CPA Business Funding Portal - cloud-based solution for accounting firms to help clients access business financing; 6,000+ CPAs enrolled.
- Association of Women's Business Centers (AWBC)corePartnership to support women entrepreneurs through network of 150 Women's Business Centers serving 150,000+ women annually; helps women-owned businesses access capital and resources.
- Main Street AllianceminorNon-profit partner founded by small business leaders to organize businesses around issues affecting employees and communities; provides advocacy resources.
- OYOminorGlobal hospitality technology company providing full-stack technology for hotel owners; Biz2Credit provides financing options for OYO franchisees.
- UnivisionminorLeading media company serving Hispanic America; partnership to provide financing information and resources to Latino-owned small businesses.
- Adesso CapitalminorCustomized financing solutions provider offering 'concierge lending' from $5,000 to $5 million and lines of credit up to $250,000 for small businesses.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
Biz2Credit competitors and assessment
Company assessmentDirect peers
- Lendio: SMB loan marketplace offering a similar multi-product suite (term loans, lines of credit, SBA loans, MCA) and a strong CPA/accountant distribution channel. Lendio's marketplace model and partner ecosystem directly mirror Biz2Credit's CPA Business Funding Portal.
- Bluevine: SMB-focused digital bank offering lines of credit, term loans, and checking accounts using data-driven underwriting. Bluevine competes head-on with Biz2Credit for the same SMB segment with overlapping AI-driven decisioning capabilities.
- OnDeck: Pioneer in SMB online lending (now part of Enova) offering term loans and lines of credit to small businesses using data-driven underwriting similar to Biz2Credit's AI approach. Directly comparable in product, customer, and underwriting model.
- Funding Circle: Marketplace lending platform connecting SMB borrowers with institutional and retail investors. Operates a multi-product SMB financing model analogous to Biz2Credit, including term loans and lines of credit funded by third-party capital.
- BHG Financial: SMB lending network offering term loans, lines of credit, and revenue-based financing to small businesses through a bank-partnered origination model. Comparable in customer segment, product mix, and partner-funded origination structure.
Emerging players
- Accion Opportunity Fund: Nonprofit small business lender focused on underserved SMBs (minority, women, and immigrant-owned). Overlaps with Biz2Credit's underserved SMB focus and term loan products, but at meaningfully smaller scale and with a mission-driven model.
- Novel Capital: Revenue-based financing provider for SaaS and recurring-revenue SMBs. Overlaps with Biz2Credit's Revenue-Based Financing product offering but is more narrowly focused on recurring-revenue businesses and is much earlier stage.
Broad incumbents
- Kabbage (American Express Business Blueprint): Was a leading SMB working capital provider before being acquired by American Express; now embedded within AmEx Business Blueprint. Overlaps with Biz2Credit's working capital products but is delivered as part of a much broader financial services suite.
- Stripe Capital: Embedded SMB financing product offered to Stripe merchants based on payment volume underwriting. Competes with Biz2Credit for SMB working capital demand but leverages proprietary payment data as a structural data advantage.
- Block (Square Capital): Embedded SMB lending product for Square sellers using point-of-sale payment data. Competes with Biz2Credit in SMB working capital with a similar fintech positioning and proprietary transaction-data underwriting advantage.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Biz2Credit social profiles
Digital presenceBiz2Credit compliance and trust
Trust signalCompliance2 records
Biz2Credit financial estimates
Financial estimateRevenue estimate
Valuation estimate
Biz2Credit leadership team
Management profileNumber of profiles
Profiles9 records
Biz2Credit subsidiaries and ownership
Company hierarchySubsidiaries1 record
Biz2Credit funding detail
Funding detailFunding overview
Funding rounds4 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Biz2Credit M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Biz2Credit
What does Biz2Credit do?
Biz2Credit is a digital lending marketplace and origination platform that provides small businesses with access to multiple financing products, including term loans ($25K-$2M+), revenue-based financing, lines of credit (up to $500K), commercial real estate loans, SBA loans, disaster loans, merchant cash advances, and equipment financing. Loans are made by its affiliate Itria Ventures LLC or by bank partner Cross River Bank (Member FDIC), with AI-powered underwriting producing funding decisions in as fast as 24 hours. A CPA Business Funding Portal extends distribution through 6,000+ accounting firms, and the Biz2X subsidiary licenses the patented lending technology to banks and financial institutions.
Is Biz2Credit a public or private company?
Biz2Credit is a private company. It is classified as venture growth investor backed and is currently operating.
When was Biz2Credit founded?
Biz2Credit was founded in 2007. It employs 501 to 1,000 people.
Where is Biz2Credit based?
Biz2Credit is headquartered in New York, United States, in the North America region.
How does Biz2Credit make money?
Four revenue lines are on record. Loan Origination Fees are the primary driver. The others are interest Income from Direct Lending, partner Referrals and Commissions and platform and Service Fees.
Who are Biz2Credit's main competitors?
Direct peers on record are Lendio, Bluevine, OnDeck, Funding Circle and BHG Financial. Emerging players are Accion Opportunity Fund and Novel Capital. Broad incumbents are Kabbage (American Express Business Blueprint), Stripe Capital and Block (Square Capital).
Does Biz2Credit have an API?
No public API is recorded for Biz2Credit.
What industry is Biz2Credit in?
Biz2Credit's product category is Digital Lending Platform. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of FSAGAJAM, SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning). Its NAICS code is 5223 and its SIC code is 6153.