Biz Capital

What Biz Capital does

Biz Capital LLC is a privately held, non-lender business funding marketplace organized as a Pennsylvania-domiciled LLC (operating address 10 West Rd. #1081, Newtown, PA 18940; Terms of Service governed by Utah law). The company connects entrepreneurs and small-business borrowers in the United States with a network of third-party lenders, explicitly stating it is 'not a direct lender.' Its core product surface aggregates six funding categories into a single application funnel: 0% credit cards (personal and business), business lines of credit ($5k-$200k), business term loans ($20k-$500k), personal term loans ($5k-$50k), short-term business loans ($5k-$100k), and SBA loans ($20k-$150k+). It also operates a distinct pre-launch funding vertical targeting idea-phase entrepreneurs who have not yet formed a legal entity, leveraging personal creditworthiness thresholds (680+ for 0% cards, 650+ for unsecured loans).

The underlying technology is a credit-matching marketplace platform that performs a soft credit inquiry for pre-qualification (no impact on the applicant's credit score), then routes qualified applicants via 'Funding Advisors' to lenders across its network. Distribution is digital-first with a stated sub-2-minute online application, supplemented by phone sales support (215-470-2798) and a LinkedIn presence linked to the operating brand '7 Figures Funding.' The site is built on a Wix-hosted template, and there is no evidence of proprietary APIs, SDKs, or third-party integrations beyond standard lender-network and credit-bureau connectivity.

The business model is referral/transaction-fee based: Biz Capital earns fees from lenders for referred and originated loans rather than net interest margin. Target customers fall into two primary cohorts: pre-launch/early-stage businesses with limited operating history, and personal-credit-based borrowers (FICO 650-680+) seeking 0% promotional credit products. A secondary segment serves established small businesses (2+ years, $15k+ monthly deposits) seeking growth capital. Geographic coverage spans all 50 US states with no disclosed international footprint, no institutional investors, no parent company, no management team bios, no funding rounds, and no disclosed revenue or headcount.

Name

Biz Capital

Legal name

Biz Capital LLC

Website

https://bizcapitalfinance.com

Company type

Private

Operating status

Operating

Short description

Biz Capital LLC is a privately held US business funding marketplace that connects entrepreneurs and small-business borrowers with a network of third-party lenders across 0% credit cards, term loans, lines of credit, and SBA loans, serving all 50 states.

Ownership category

akta.pro rank

Product category

Small Business Funding Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

Keywords

• Business funding marketplace
• Small business lending
• Commercial credit services
• SBA loan brokerage
• Business line of credit

Headquarters

HQ city

Newtown

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Transaction/Referral Fees from Lenders: Biz Capital operates as an intermediary marketplace connecting borrowers with lenders. The company earns revenue by referring qualified applicants to lenders within its network. They are explicitly noted as 'not a direct lender.'

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Biz Capital is a business funding marketplace that connects borrowers with a network of third-party lenders rather than lending directly. Its product set spans 0% business credit cards, business lines of credit, business term loans, personal term loans, short-term business loans, SBA loans, and pre-launch funding. The platform emphasizes no-credit-impact pre-qualification, requires no pre-existing business entity for certain products, operates across all 50 states, and targets approximately 48-hour funding timelines.

Product overview

Biz Capital operates a business funding marketplace that connects entrepreneurs and business owners with multiple lending products through a single platform. The core offering combines 0% credit cards (credit card stacking), business and personal term loans, lines of credit, short-term business loans, and SBA loans. Pre-launch funding options are available for entrepreneurs still in the idea phase who have not yet formed a legal entity. The platform also provides credit education services and savings strategies to help clients optimize their financing. All products are accessible across all 50 U.S. states.

Differentiator

Problem solved

Functional benefit

Products and services

• 0% Business Credit Cards 0% interest credit cards offered to borrowers through Biz Capital's lender network for business-related use, used for interest-free working capital and debt consolidation purposes.
• Business Line of Credit Revolving credit facility for established small businesses needing flexible access to working capital, sourced from third-party lenders on the marketplace.
• Business Term Loan Fixed-term lump-sum loan product for established businesses with 2+ years of operation and $15k+ in monthly deposits, sourced from third-party lenders.
• Personal Term Loan Personal installment loan offered to individual borrowers for purposes including debt payoff and credit building, underwritten on personal creditworthiness.
• Short Term Business Loan Smaller, shorter-duration business loan product designed for faster funding needs, sourced from third-party lenders on the marketplace.
• SBA Loans Government-backed small business loans routed through Biz Capital's lender network for qualifying established small businesses.
• Pre-Launch Funding Funding product specifically targeted at pre-launch and early-stage entrepreneurs who do not yet have an established business entity, sourced through third-party lenders on the marketplace.
• Entrepreneur Education Platform Educational content and resources for entrepreneurs navigating business funding and credit-building, offered alongside Biz Capital's core marketplace products.

Quantifiable outcome

• Funding access in as little as 48 hours for approved applicants
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Fundbox: Fundbox provides short-term working-capital advances and lines of credit to SMBs, often through integrations with accounting software, overlapping with Biz Capital's short-term business loan product.
• Credible: Credible operates a multi-product credit marketplace aggregating student loans, mortgages, personal loans, and credit cards; the credit-card and personal-loan aggregation mechanics overlap directly with Biz Capital's marketplace.
• CAN Capital: CAN Capital is a long-standing small-business funding provider and broker offering short-term business loans, lines of credit, and SBA loans to SMB and startup borrowers overlapping with Biz Capital's segment.
• Lendio: Lendio operates a small-business loan marketplace connecting SMB borrowers with a network of lenders across term loans, lines of credit, SBA loans, and short-term financing — the same core model Biz Capital runs.
• Fundera (NerdWallet): Fundera is an SMB loan broker marketplace offering term loans, lines of credit, SBA loans, and merchant cash advance matching, directly comparable to Biz Capital's product set and target customer.

Broad incumbents

• LendingTree: LendingTree is the largest US loan-shopping marketplace across personal, business, mortgage, and credit-card products; it competes with Biz Capital for the SMB loan aggregation demand but at vastly greater scale and brand.
• BlueVine: BlueVine is a digital SMB lender offering lines of credit, invoice factoring, and term loans, competing in the same SMB funding category with broader direct-lending capabilities than Biz Capital.
• OnDeck: OnDeck is an established online SMB lender specializing in short-term working-capital loans and lines of credit, comparable to Biz Capital's short-term business loan offering but at materially larger scale.
• NerdWallet: NerdWallet is a broad consumer-finance content and comparison platform that owns Fundera; it competes for the same SMB borrower intent and benefits from stronger SEO and content scale than Biz Capital.
• Kabbage (American Express): Kabbage, now part of American Express, provides SMB lines of credit and working-capital loans, competing for the same SMB funding demand that Biz Capital routes to its lender network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/in/rich-walinsky-consulting

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Biz Capital