Last reviewed: October 2, 2026
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.
Summary verdict
Biz2Credit offers term loans of up to $2 million (Biz2Credit). In March 2024, Biz2Credit and its subsidiary Itria Ventures agreed to pay $33 million to settle FTC charges that they deceptively advertised processing times for Paycheck Protection Program (PPP) loan applications (FTC).
Paper Grade: A paper
Biz2Credit's minimums are $250,000 in annual revenue, a 650+ credit score and 12 months in business (Biz2Credit). Strong credit, established businesses and term loans make it A paper. The FTC matter doesn't affect the paper grade. Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: 3.5 / 10 (reputation rank: #58 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +0.5 for an A+ BBB rating without accreditation (BBB) and +1 because BBB lists the business as started in 2007. Then −2 for a regulator consent order with a penalty and no admission. A federal court entered a Stipulated Order for Permanent Injunction and Monetary Judgment on March 20, 2024; the defendants neither admitted nor denied the allegations (Court order). The FTC alleged Biz2Credit advertised 10–14 business-day PPP processing when "the average processing took well over a month" (FTC). Then −1 for recurring themes in 33 BBB complaints over three years, including unwanted calls and texts, funding delays, and collection letters sent to a borrower's clients (BBB complaints). BBB customer reviews average 4.22/5 from 77 reviews, which earns no adjustment (BBB reviews). The total is 3.5.
About the Paper Grade: it reflects only the borrower profile and deal type the lender targets (stated credit, time-in-business and revenue minimums, and product type). It is not a judgment of the lender's quality. A = strong credit (about 625–650+), established businesses, APR-priced loans or lines. B = fair credit (about 600+), short-term or factor-rate products. C = credit about 500–599, younger businesses, MCA or revenue-based, or sales-based platform financing with no credit check. D = minimal credit requirements, very new businesses, stacked positions or high-risk industries. Lawsuits and regulator actions never change the Paper Grade.
About the Research-Based Reputation Score (1–10, half-points): it summarizes public signals and is not the opinion of MCAFax. Every lender starts at 5.0. Points are added for BBB accreditation and an A+ rating, years in business, strong Trustpilot ratings, and a clean record (no regulator orders or court judgments in which the lender itself is a named party). Points are subtracted for a BBB rating of C− or lower (−1), a BBB customer-review average below 2.5/5 (−0.5), recurring complaint themes (−0.5 to −1), and a pending class action (−0.5). Government actions are scored only when the lender itself is a named party: −1 for a settled action not about borrowers, −2 for a regulator consent order with a penalty and no admission, −3 for active enforcement or a final order about borrower treatment, and −5 for an industry ban or court finding of liability. The lowest score, 1.0, is reserved for lenders under an industry ban or a final fraud judgment. Ratings we could not read score zero, and routine collection suits are not scored. Every point applied to this lender is listed above. Ranks are as of the date shown; MCAFax cannot confirm or deny any allegation counted here.
At a glance
| Item | Details |
|---|---|
| Product | Term loans up to $2M (Biz2Credit) |
| Minimums | $250K annual revenue, 650+ credit, 12 months in business (Biz2Credit) |
| Regulatory | FTC stipulated order, S.D.N.Y. No. 1:24-cv-02001, entered 3/20/2024; $33M (Order, FTC) |
| BBB | A+, not accredited; 4.22/5 from 77 reviews; 33 complaints in 3 years (BBB) |
What borrowers and reviewers report
Positive themes: recent BBB reviews praise professional, fast service (BBB reviews).
Negative themes: BBB complainants report heavy marketing contact after an inquiry, funding delays while interest accrued, and aggressive collection steps (BBB complaints).
Reported concerns to plan around
These are allegations or reported experiences, not findings, unless a final order is cited.
Regulatory record: the FTC order bars misleading claims about applications. Read it in full at the FTC link (Order).
Contact preferences: if you inquire but don't want follow-up marketing, say so in writing.
Who it may suit, and who may want to skip it
May suit: established, strong-credit businesses seeking larger term loans. May want to skip: borrowers who weigh a regulator record heavily.
What to do next
Been contacted by Biz2Credit? Report the phone number or email that reached you, and sign up to block unwanted funding calls. → Report a number or email (https://mcafax.com/report?lender=biz2credit)
Looking for funding? Tell us what you need, and we'll help you compare Biz2Credit with other funders that fit. → Apply through MCAFax (https://mcafax.com/apply?lender=biz2credit)
Sources (accessed October 2, 2026)
Biz2Credit term loan page: biz2credit.com
FTC case page: FTC v. Biz2Credit: https://www.ftc.gov/legal-library/browse/cases-proceedings/biz2credit-inc-ftc-v
Stipulated Order (S.D.N.Y., Mar. 20, 2024): https://www.ftc.gov/system/files/ftc_gov/pdf/9-OrderEnteredByCourt.pdf
FTC press release (Mar. 18, 2024): https://www.ftc.gov/news-events/news/press-releases/2024/03/ftc-actions-against-companies-making-deceptive-pandemic-loan-promises-lead-record-59-million-damages
BBB profile: https://www.bbb.org/us/ny/new-york/profile/small-business-loans/biz2credit-inc-0121-102540
BBB customer reviews: https://www.bbb.org/us/ny/new-york/profile/small-business-loans/biz2credit-inc-0121-102540/customer-reviews
BBB complaints: https://www.bbb.org/us/ny/new-york/profile/small-business-loans/biz2credit-inc-0121-102540/complaints
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.