# Bluevine

Source: https://businessloanbroker.ai/lenders/bluevine/
Site: BusinessLoanBroker.ai (powered by Levr)

> Bluevine offers US small businesses a line of credit to $250,000, term loans to $500,000 and SBA 7(a) loans to $350,000 with banking. See who qualifies.

Bluevine is a US fintech that combines small business banking with financing. It funds growing US small businesses with a line of credit up to $250,000, a term loan up to $500,000 and SBA 7(a) loans up to $350,000, and it excludes a short list of industries such as cannabis, gambling and firearms.

## Key facts
- **Products:** Business line of credit, business term loan, SBA 7(a) loans
- **Funding range:** Line of credit up to $250,000; term loan up to $500,000; SBA up to $350,000
- **Repayment:** Revolving line with automatic weekly or monthly payments; fixed instalments up to 24 months
- **Operates in:** United States
- **Industries:** Broad small business; excludes gambling, firearms, cannabis, auto dealerships and donation based nonprofits
- **Founded and headquarters:** 2013, Jersey City, New Jersey
- **Website:** bluevine.com

## What does Bluevine offer?

Bluevine offers a revolving [line of credit](https://businessloanbroker.ai/business-loans/line-of-credit/) up to $250,000 with automatic weekly or monthly payments, a [term loan](https://businessloanbroker.ai/business-loans/term-loans/) up to $500,000 repaid in fixed instalments over up to 24 months, and [SBA 7(a) loans](https://businessloanbroker.ai/business-loans/sba-7a-loans/) up to $350,000. Security varies by product. The financing sits inside a business checking platform, with banking provided through Coastal Community Bank, so a business can run its account and its credit in one place. Bluevine started in invoice factoring and no longer leads with it.

## Who does Bluevine fund, and who do they decline?

Bluevine funds US small businesses that are growing and want digital banking and credit together. Its published exclusions are gambling, firearms, cannabis, auto dealerships and donation based nonprofits. Beyond that it does not publish minimum revenue, credit or time in business on the profile.

Expect the line of credit to need steadier revenue and better credit than a cash advance, and the SBA product to follow SBA rules on eligibility, use of funds and owner guarantees. A business that wants more than $500,000 unsecured should compare [Backd](https://businessloanbroker.ai/lenders/backd/). Businesses outside the United States are not eligible.

## What does it typically cost and how fast is it?

Bluevine does not publish rates or fees on the profile; pricing is quoted per file. The line of credit is priced as simple interest on what you draw, the term loan as fixed instalments, and the SBA loan under SBA rate caps, so each should be compared differently. Our [line of credit](https://businessloanbroker.ai/business-loans/line-of-credit/) and [SBA 7(a)](https://businessloanbroker.ai/business-loans/sba-7a-loans/) pages give the typical ranges. Funding speed is not published. Bluevine publishes more than $17 billion deployed across over a million customers, as a company figure.

## What will you need to apply?

For the line and term loan, have three to six months of business bank statements, your EIN, formation documents and owner ID, plus a recent tax return for larger amounts. The SBA loan needs the full SBA package: business and personal tax returns, financial statements, a debt schedule and personal financial statements for each owner. Our [document checklist](https://businessloanbroker.ai/guides/document-checklist/) lays it all out.

## How does Bluevine compare with similar lenders?

[Fundbox](https://businessloanbroker.ai/lenders/fundbox/) is the nearest rival for a small line: up to $250,000 with 12 or 24 week repayment and no early repayment fees, but no SBA product and no banking. [OnDeck](https://businessloanbroker.ai/lenders/ondeck/) offers a term loan and a line to a broad range of US small businesses and is one of the longest running online lenders. Bluevine stands out for pairing banking with SBA 7(a) loans up to $350,000, so it is the pick if you want a lower cost SBA option from the same provider as your checking account.

## How to apply

Apply once on this site and matching shows whether Bluevine, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our [MCP server](https://businessloanbroker.ai/agents/). A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.

| Lender | Products | Funding range | Operates in | Best suited for |
|---|---|---|---|---|
| Bluevine | Line of credit, term loan, SBA 7(a) | Up to $500,000 | United States | Growing US businesses wanting banking and working capital together |
| Fundbox | Line of credit, term loan | Up to $250,000 | United States | Established US businesses needing fast, flexible working capital up to $250,000 |
| OnDeck | Term loan, line of credit | Not published | United States | US small businesses wanting a fast online term loan or line from an established lender |

## Questions and answers
**Does Bluevine still offer invoice factoring?**

Not as a lead product. Bluevine began in factoring but its current products are the line of credit, term loan and SBA 7(a) loans. For factoring, compare FundThrough, which acquired a factoring business from Bluevine.

**Do I need a Bluevine bank account to get a loan?**

The profile does not say it is required. Bluevine positions banking and financing together, and having the account can make verification faster, but ask before you open one just to apply.

**Which industries does Bluevine exclude?**

Gambling, firearms, cannabis, auto dealerships and donation based nonprofits, as published on the profile. Other industries are considered on their merits.

## Related
- [Fundbox](https://businessloanbroker.ai/lenders/fundbox/)
- [OnDeck](https://businessloanbroker.ai/lenders/ondeck/)
- [Business lines of credit](https://businessloanbroker.ai/business-loans/line-of-credit/)
- [SBA 7(a) loans](https://businessloanbroker.ai/business-loans/sba-7a-loans/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-lender-bluevine
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)