ROI Funder vs Biz2Credit

What Biz2Credit publishes

Biz2Credit lists term loans and revenue-based financing of $25K to $2M+, a line of credit up to $500K, and a FICO 650 and $100,000 revenue requirement for term loans.

From the Biz2Credit homepage (checked October 2026):

• Term loan: fixed rate, $25K to $2M+. The page says it "requires FICO of 650 and $100,000 in revenue."
• Revenue-based financing: $25K to $2M+, "paid back from business receipts."
• Line of credit: credit limit up to $500K, paying only on the amount you draw.
• Speed: apply online in minutes, with a decision "as fast as 24 hours."
• Lenders: term loans are made by Itria Ventures LLC or Cross River Bank, Member FDIC.

Rates, repayment lengths, fees and time-in-business rules are not stated. The line of credit is not available in every state: the page lists 30 states plus the District of Columbia. Check the list before you apply.

Minimums that change who should apply

Biz2Credit's term loan starts at $25K and asks for a 650 FICO. ROI Funder starts at $5,000 and considers 500+ FICO.

If you need $15,000, Biz2Credit's listed minimums rule it out. If you need $1.5 million, both of us are in range, and your credit and revenue become the deciding filters.

Revenue-based financing, explained with numbers

In revenue-based financing, repayment is a share of sales until a fixed total is repaid, so payments rise and fall with revenue.

Both Biz2Credit and ROI Funder describe this product. Here is how it plays out.

Illustrative example: a business receives $100,000 and agrees to repay $118,000 by remitting 8% of monthly receipts. At $60,000 a month, it pays $4,800 and finishes in about 25 months. At $120,000 a month, it pays $9,600 and finishes in about 12 months. The total cost stays $18,000, the time changes.

That is helpful if your sales swing. It is less helpful if you want a payoff date you can plan on. Ask whether a minimum payment or a maximum payoff period applies, and read our revenue-based financing guide before you sign anything. Numbers here are illustrative only.

When Biz2Credit is the better fit

Biz2Credit may suit established businesses with 650-plus credit and $100,000 or more in revenue that want a fixed-rate term loan at $25K and up.

• A strong profile. If you clear 650 and $100,000, a fixed-rate term loan can be a clean, predictable structure.
• A mid-to-large project. The $25K to $2M+ range covers expansions, acquisitions of equipment and similar.
• A line in a listed state. A $500K limit with pay-on-draw interest is useful for a flexible reserve.

Ask for the rate, the length of the term and every fee in writing, since the homepage leaves them out.

Which state rules might apply to your line

Availability of lines and some loan types varies by state, so check your state before you plan around a specific product.

Biz2Credit's page lists the states where its line of credit is available. That is a useful reminder that product availability is not uniform. Lenders choose where to operate based on state licensing and disclosure rules, and some states regulate commercial financing disclosures separately.

Practical steps: look for a states list on the lender's page, confirm it applies to your business location, and ask which entity is the lender in your state. For fixed-rate term loans, ask whether the rate is fixed for the whole term and what fees are charged at closing.

ROI Funder covers all 50 states, but products and funders vary by state. A line available to a Texas business might be offered differently in New York. We show the specific offer you qualify for, not a generic menu. Read which funding fits your business to narrow the product first.

When ROI Funder is the better fit

ROI Funder suits smaller requests, credit in the 500s and 600s, and owners who want many structures compared from one application.

We cover all 50 states, consider 500+ FICO, 6+ months in business and $20,000+ in monthly revenue, and place working capital, term loans, lines of credit, equipment financing and SBA loans through our 100+ funder network.

You apply online in a few minutes with a soft credit pull, no impact on your credit score and no obligation to accept an offer. A complete file is the application plus 3 months of business bank statements, and money can arrive the same business day on approved, complete files.

If you are between worlds, say a 640 score and $90,000 in annual revenue, apply where the filters are friendlier, then compare. Our offer worksheet shows how.