- What Each Lender Does
- Side-by-Side Comparison
- Delta Capital Group
- Biz2Credit
- Can Capital
- Fundbox
- Which One Fits Your Situation
- FAQs
- Conclusion
Choosing a business lender takes more than a quick Google search. The four names that come up most often — Delta Capital Group, Biz2Credit, Can Capital, and Fundbox — serve different borrower profiles, operate different business models, and carry meaningfully different terms. This comparison lays out what each one actually offers so you can match your situation to the right option.
What Each Lender Does
Before comparing terms, it helps to understand the model behind each company.
Delta Capital Group is a direct lender that works across more than 20 industries. You fill out a short online application, get matched with a dedicated funding advisor, and work through the process with a human on the other side. Products include lines of credit, short-term loans, long-term loans, SBA loans, invoice factoring, equipment financing, and merchant cash advances. The company accepts applicants with FICO scores of 500 or above and does not run a hard credit check during the application process.
Biz2Credit operates as a marketplace and hybrid lender. Depending on the product, you may be funded directly by Biz2Credit or matched with a partner funder in their network. The platform is largely self-serve, with digital tools for document submission and status tracking.
Can Capital is a direct lender focused on small business financing, primarily through working capital loans and merchant cash advances. It has been in the market for a long time. Because their terms and eligibility requirements can change, current rates and minimums should be confirmed directly with Can Capital before applying.
Fundbox is a fintech lender offering a single product: a revolving business line of credit. The application is fully automated, underwriting is algorithm-driven, and there is no human advisor involved at any stage. It is built for speed and simplicity, not product breadth.
Side-by-Side Comparison
| Delta Capital Group | Biz2Credit | Can Capital | Fundbox | |
|---|---|---|---|---|
| Funding range | $5K – $5M | Up to $6M+ (via partners) | Confirm directly | ~$150K – $250K |
| Min. credit score | 500 FICO | Varies by product | Confirm directly | ~600 FICO |
| Rates from | 6.99% APR | Not disclosed upfront | Confirm directly | Effective APR can exceed 35% |
| Funding speed | Same-day possible | 24–72 hrs (decisions) | Confirm directly | Fast, automated |
| Human support | Dedicated advisor | Limited | Limited | None |
Delta Capital Group
Delta Capital Group funds between $5,000 and $5,000,000 on loans and up to $2,000,000 on lines of credit. Rates start at 6.99% APR. The minimum accepted FICO score is 500, which is lower than most fintech lenders require.
A few things worth noting:
- Soft credit pull only — applying does not affect your credit score
- Every applicant is matched with a funding advisor, not routed through an automated queue
- Service is available in both English and Spanish
- Same-day funding is possible depending on the product and how quickly documents are submitted, though it is not guaranteed for every application
The product range is broader than any of the other three lenders here. If you need SBA financing, invoice factoring, or equipment financing alongside more conventional loan products, Delta Capital Group covers all of it in one place.
Learn more at deltacapitalgroup.com.
Biz2Credit
Biz2Credit's marketplace model means the lender you ultimately work with may not be Biz2Credit itself. That can work in your favor if you want access to multiple funding sources through a single application, but it also means terms, rates, and approval criteria vary depending on which partner funder picks up your file.
Rates are not disclosed upfront, which makes direct comparison harder before you apply. Funding decisions typically come within 24 to 72 hours, and the platform can handle up to $6 million or more when partner funders are included.
Biz2Credit works well for borrowers who want to cast a wide net and are comfortable with a self-directed, digital experience.
Can Capital
Can Capital has been a fixture in small business lending for years, with a focus on working capital loans and merchant cash advances for businesses that may not qualify through traditional bank channels.
Because their published terms, credit minimums, and rate structures change periodically, this comparison does not list specific figures that could be out of date. If Can Capital is on your shortlist, confirm current eligibility requirements and pricing directly with them before drawing any conclusions.
Fundbox
Fundbox offers one product: a revolving business line of credit. The application is fast, underwriting is fully automated, and there is no advisor involvement at any stage.
The tradeoffs are cost and scale. The effective APR on a Fundbox line can exceed 35%, which is substantially higher than the starting rates at Delta Capital Group. The funding cap sits around $150,000 to $250,000, so it is not a fit for larger capital needs. The minimum credit score is approximately 600 FICO.
Fundbox is a reasonable option for businesses that need a small, revolving credit line quickly and do not require guidance through the process. It is less suitable for anyone who needs a larger amount, a lower rate, or a more complex product type.
Which One Fits Your Situation
There is no single right answer. The better question is which lender's model matches what you actually need.
If your credit score is below 600: Delta Capital Group's 500 FICO minimum is the lowest threshold among these four. Fundbox and many Biz2Credit partner funders will not approve at that level.
If you need more than $250,000: Fundbox is off the table. Delta Capital Group, Biz2Credit, and Can Capital all handle larger amounts, though Biz2Credit's higher ceiling depends on partner funders rather than a single underwriting decision.
If you want a dedicated human advisor: Delta Capital Group is the only lender here that assigns a funding advisor to every applicant. The other three are primarily self-serve or automated.
If you need a specific product type — SBA loan, invoice factoring, equipment financing: Delta Capital Group is the only lender in this group that offers all of those. Fundbox is line-of-credit only, and Can Capital and Biz2Credit have narrower product menus.
If rate transparency matters before you apply: Delta Capital Group publishes a starting rate of 6.99% APR. Biz2Credit does not disclose rates upfront. Can Capital's current rates should be confirmed directly. Fundbox's effective APR can run high relative to the others.
If speed is the priority: All four can move quickly. Fundbox's automated model is fast for small lines. Delta Capital Group can fund the same day in some cases. Biz2Credit decisions typically come within 24 to 72 hours.
FAQs
What is the minimum credit score to apply with Delta Capital Group?
Delta Capital Group accepts applicants with a FICO score of 500 or above. The application uses a soft credit pull, so applying does not affect your credit score.
Does Delta Capital Group offer SBA loans?
Yes. Delta Capital Group's product range includes SBA loans alongside lines of credit, short-term loans, long-term loans, invoice factoring, equipment financing, and merchant cash advances.
Is Biz2Credit a direct lender or a marketplace?
Biz2Credit operates as both. Depending on the product, you may be funded directly by Biz2Credit or by a partner funder in their network. Terms vary accordingly.
Why doesn't this comparison list specific rates for Can Capital?
Can Capital's published terms change over time. Rather than list figures that may be outdated, the recommendation is to confirm current rates and eligibility directly with Can Capital before applying.
What is the effective APR on a Fundbox line of credit?
Fundbox's effective APR can exceed 35%, which is higher than the starting rates at the other lenders in this comparison. The exact rate depends on your draw amount and repayment term.
Can I get same-day funding from Delta Capital Group?
Same-day funding is possible depending on the product type and how quickly your documents are submitted. It is not guaranteed for every application.
Does Delta Capital Group serve non-English-speaking business owners?
Yes. Delta Capital Group provides service in both English and Spanish.
Conclusion
Each of these four lenders has a place in the market. Fundbox suits small, fast credit needs with no human involvement. Biz2Credit gives access to a wide partner network through one application. Can Capital is worth contacting directly to compare their current terms. Delta Capital Group covers the broadest range of products, accepts lower credit scores, starts at a lower published rate, and assigns a human advisor to every applicant.
If any of those factors matter to your decision, deltacapitalgroup.com is a reasonable place to start.
