Bluevine

What does Bluevine offer?

Bluevine offers a revolving line of credit up to $250,000 with automatic weekly or monthly payments, a term loan up to $500,000 repaid in fixed instalments over up to 24 months, and SBA 7(a) 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. 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 and SBA 7(a) 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 lays it all out.

How does Bluevine compare with similar 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 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. 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.