Alternatives
Bluevine publishes clean eligibility criteria and no lending rate at all — and, by its own FAQ, does not offer term loans itself.
✓ Checking what you qualify for does not affect your credit score.
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.
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 →
A simple way to read any funder: what will they put in writing before you apply?
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.
A short application. No impact to your credit score to see what you qualify for.
We review revenue, time in business and bank activity — not just a credit score.
You see the amount, the term and the total cost before you sign anything.
Money in your account, typically the next business day after signing.
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.
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."
Its site states "Ineligible states include: Nevada, North Dakota, South Dakota, U.S. territories."
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.
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.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
