Every early-stage capital option, laid bare with complete honesty.
Compare typical amounts, access speeds, rates, and terms across our nationwide lender network. We help you choose the right instrument without hidden balloon payments, daily debits, or unnecessary equity dilution.
Funding Solutions Catalog
Click any product below to review underwriting mechanics and schedule an advisory consult.
0% Introductory Rate Business Credit Cards
Founder FavoriteObtain multiple business credit lines and cards with 0% introductory rates to help launch or grow your business. Cards may be issued in the entity or individual guarantor name, depending on issuer underwriting. Certain cards also feature cash-back rewards, purchase protection, and travel perks.
"Inventory purchases, contractor payroll, software stack & early marketing test budgets"
Range is an estimate based on recent client approvals, not an offer of credit. Rate type, limits, and terms are determined solely by the issuing lender.
Introductory duration, go-to APR, fees, and variability are set by card issuers and vary by product.
Consumer credit products utilized for business purposes carry personal guarantor responsibility, may appear on credit bureau reporting, and involve lender credit checks.
Revolving Business Line of Credit
Flexible LiquidityAccess revolving operational capital on demand with zero payments required on funds you haven't drawn. Ideal for smoothing cash-flow gaps, bridging customer receivables, or securing vendor volume discounts.
"Seasonal cash fluctuations, emergency reserves, and recurring operational runway"
Range is an estimate based on lender partner portfolios, not an offer of credit. Rate type (APR or simple interest), amount, and terms are set by the lender.
Some lines may include maintenance, draw, or unused-line fees according to individual lender agreements.
Founder Personal Term Loan for Business Use
Personal installment loans available to qualifying business owners as an integral piece of their early capitalization roadmap. Often utilized to consolidate existing debt, clear high-interest liabilities, or inject seed capital before pursuing commercial lines.
"Seed stage startup costs, debt consolidation, and working capital before entity seasoning"
Loan availability, approval, rates, terms, and permitted use of proceeds are determined solely by the lender.
Borrower is personally liable for repayment. Accounts appear on personal credit bureau reports and require hard credit inquiries during formal underwriting.
Short-Term Working Capital Loan
Fast-turnaround funding when operational urgency requires capital in days rather than weeks. Transparent breakdown of total payback factor before you accept, preventing cash-drain surprises.
"Time-sensitive bulk orders, urgent equipment repairs, and sudden supplier opportunities"
Short-term capital is generally more costly than conventional bank debt. Your Biz 2 Biz advisor reviews full payback schedules and structures before you sign any contract.
Institutional Business Term Loan
Growth CapitalPredictable, structured commercial term financing with multi-year amortization schedules. Excellent for expanding facilities, hiring permanent staff, or funding major operational infrastructure.
"Major facility expansions, proven marketing scaling, and commercial buildouts"
Typically requires 6+ months of verifiable business deposits or corporate bank account revenue. Subject to lender balance sheet evaluation.
SBA Loan Programs (7(a) & Express)
Lowest Long-Term RatesComprehensive application preparation, document packaging, and lender matching for U.S. Small Business Administration programs. Biz 2 Biz helps founders navigate complex federal underwriting requirements with maximum efficiency.
"Established business acquisitions, long-term working capital, and owner-occupied property"
Biz 2 Biz Funding LLC is not affiliated with, endorsed by, or acting on behalf of the U.S. Small Business Administration. We assist clients in packaging and submitting files to authorized SBA participating lenders.
Business-Use Home Equity Line (HELOC)
Tap the built-up equity in your residential or commercial real estate to fund business growth at favorable real-estate secured interest rates and extended repayment timelines.
"Significant initial seed funding, franchise acquisition, or large-scale venture runway"
Secured against real estate equity. Failure to meet repayment obligations can jeopardize collateral property. Consult independent financial and legal advisors.
How we protect early-stage founders from predatory traps
Too many startup founders unknowingly sign high-interest Merchant Cash Advances (MCAs) or daily debit loans that drain their bank accounts before revenue matures. We walk you through the fine print, evaluate genuine APR costs, and steer you toward revolving credit and non-dilutive capital structured for long-term health.
Lender Disclosure: All funding figures, rates, and terms shown above represent estimated market ranges from participating lenders, not a formal commitment to lend. Products, rates, and approval thresholds vary by state, lender underwriting criteria, and individual credit profile. Biz 2 Biz Funding LLC is an advisory firm and does not make credit decisions.
Ready to find the ideal funding match for your venture?
Speak directly with an advisor today. We'll analyze your capital requirements, review qualification prerequisites, and map out your path forward.