What Bluevine publishes
Quoted from Bluevine’s own website. Where a figure carries a qualifier such as “as low as” or “average”, the qualifier is part of the quote.
What we publish
Same categories, our figures, so the comparison is like for like.
Every figure above is transcribed from current lender guideline documents. See all three tiers →
Published versus withheld
A simple way to read any funder: what will they put in writing before you apply?
How the two actually differ
Bluevine is clear about who qualifies — 625 credit, 12 months in business, $10,000 a month — and publishes a real ineligible-state list, which most competitors skip.
Two things are worth knowing. First, there is no lending rate published anywhere on the site. If you see 1.3% or 3.0% quoted, those are the yield on its business checking account, not the cost of borrowing. Second, its own FAQ states plainly that it does not offer term loans itself: those come from a network of lending partners, even though the site markets a term loan up to $500,000.
Against ours: our line of credit publishes from 1% per month with a 2.49% draw fee, and our term loan is ours, at 0% origination.
How it works
1. Apply in minutes
A short application. No impact to your credit score to see what you qualify for.
2. Same-day decision
We review revenue, time in business and bank activity — not just a credit score.
3. Review your terms
You see the amount, the term and the total cost before you sign anything.
4. Funded next business day
Money in your account, typically the next business day after signing.
Common questions
What APR does Bluevine charge?
Bluevine does not publish a lending APR on its website. The percentage figures on its site relate to its business checking account yield, not to borrowing.
Does Bluevine offer term loans?
Not directly. Its FAQ states: "No, Bluevine doesn't offer term loans, but you can be considered for a term loan from our network of lending partners."
Which states does Bluevine exclude?
Its site states "Ineligible states include: Nevada, North Dakota, South Dakota, U.S. territories."
How current is this comparison?
Figures were read directly from Bluevine’s public website in September 2026. Companies change terms without notice, so confirm anything material with them before you decide.
Is this an independent review?
No, and we will not pretend otherwise — we are one of the options on this page. What we can do is quote the other side accurately and publish our own numbers in the same detail, so you can check both.