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Cobalt Funding Solutions vs Biz2Credit
Built live from what each lender publishes. Nothing here is estimated — where a lender publishes nothing, the cell says so.
| Attribute | Cobalt Funding Solutions | Biz2Credit |
|---|---|---|
| On the record |
|
|
| Lender type | Not stated | Direct funder |
| Products offered | Revenue-based | Working capital, Term loan, Line of credit, Revenue-based |
| Published amounts | $10K – $3M | $25K – $2M |
| Pricing basis | Not disclosed | Not disclosed |
| Published rate | Not disclosed | Not disclosed |
| Disclosed fees | Not disclosed | Not disclosed |
| Repayment frequency | Not disclosed | Not disclosed |
| Term length | Not disclosed | 3–60 months |
| Minimum credit score | Not disclosed | 650 |
| Minimum time in business | Not disclosed | Not disclosed |
| Minimum monthly revenue | Not disclosed | Not disclosed |
| Collateral required | Not disclosed | Not disclosed |
| Personal guarantee | Not disclosed | Not disclosed |
| States excluded | Not disclosed | Not disclosed |
| Industries excluded | Not disclosed | Not disclosed |
| Speed to fund | Often within as little as 24 hours | Decision as fast as 24 hours |
| Speed conditions | Ambiguity between pages: the /about page's '24 hours' refers to delivering financial solutions, while the homepage's 24-hour claim is only for pre-qualification — 'Get Pre-Qualified in less than 24 ho | Homepage says a term loan decision comes in "24 hours"; the product page says only that "Biz2Credit strives to provide quick funding decisions" |
| Headquarters | New York, NY | New York, NY |
| Established | Not disclosed | 2007 |
| Next step | Enquire Review | Enquire Review |
Rates on this page are not directly comparable unless the pricing basis matches. A factor rate of 1.30 and an APR of 30% are different measures of different things — a factor rate is a multiple of the amount advanced with no time dimension, an APR is annualised. Read the pricing basis row before comparing the rate row.