The specs
BluevineFundbox
Product typeLOCLOC
Amount range$10K – $250K$1K – $150K
Cost (factor / APR)APR 6.2% – 27% (LOC)Weekly fee + APR equivalent typically 30–60%
Speed to fund1 – 3 business daysAs fast as 1 day
Min time in business12 months6 months
Min monthly revenue$10,000$8,000
Min credit score625+600+
Products
- Line of credit
- Invoice factoring
- Line of credit
Verdicts by use case
- Cheapest cost of capital for established merchant with 625+ FICO and 12+ months TIB — Winner: Bluevine. As of 2026-06-28 Bluevine's LOC at 6.2 – 27% APR is structurally cheaper than Fundbox's weekly-fee structure (APR-equivalent 30 – 60%) for any merchant who clears Bluevine's qualification bar. A $50K Bluevine LOC at 14% APR over 6 months ≈ $2K interest. A $50K Fundbox draw with 24-week weekly-fee payback ≈ $5K – $7.5K. For 625+ FICO, 12+ months TIB merchants Bluevine is decisively cheaper.
- Newer merchant (6 – 11 months TIB) or 600 – 624 FICO — Winner: Fundbox. Bluevine's 625+ FICO and 12+ months TIB floor declines newer or 600 – 624 FICO merchants. Fundbox accepts 600+ FICO with 6+ months TIB and $8K+/mo revenue — meaningfully lower qualification bar. For merchants who don't clear Bluevine's floor Fundbox is the only LOC option in this pair.
- Smaller revenue base ($8K – $15K/mo) — Winner: Fundbox. Bluevine's $10K/mo revenue floor and underwriting bias toward $20K+/mo cash flow makes it a poor fit for the smallest small businesses. Fundbox's $8K/mo floor and explicit positioning for smaller merchants makes the product structurally appropriate for the $8K – $15K/mo revenue range. For micro-SMB merchants Fundbox is structurally the right LOC product.
- Larger LOC capacity ($150K – $250K) — Winner: Bluevine. Fundbox caps at $150K. Bluevine goes to $250K. For larger LOC needs Bluevine is the only option in this pair regardless of qualification fit.
- Building business credit over time — Winner: Bluevine. Bluevine reports to business credit bureaus (PAYDEX, Experian Business) consistently. Fundbox's business-credit reporting is less consistent and varies by product cohort. For merchants building toward bank-grade financing Bluevine's reporting is more reliable.
The honest takeaway
Bluevine and Fundbox solve overlapping but distinct problems. The right choice depends on three things you already know about your business: how fast you need the money, how long you've been operating, and whether the capital need is one-time or recurring.
Frequently asked questions
- I have a 620 FICO and 8 months TIB — can I get Bluevine?
- Almost certainly no. Bluevine's published floors (625+ FICO, 12+ months TIB) are firm — applications below those numbers decline at the prequalification stage. Fundbox accepts 600+ FICO and 6+ months TIB, so an 8-month, 620-FICO file likely qualifies for a smaller draw at Fundbox. Path forward: take a Fundbox LOC now for working capital, build TIB toward 12 months and FICO toward 625, then refinance into Bluevine at month 13+ for the materially cheaper cost of capital. Fundbox's payment history may help business credit if Fundbox reports on that product cohort.
- If I qualify for both Bluevine and Fundbox, which builds business credit better?
- Bluevine, by a clear margin. Bluevine consistently reports to PAYDEX and Experian Business on every draw and repayment — the reporting is deliberate product feature that supports merchants building toward bank-grade financing. Fundbox's business-credit reporting is less consistent and varies by product cohort; some Fundbox borrowers report seeing trade-line activity, others don't. For merchants who want their LOC activity to build a documented business credit profile that supports later SBA or bank-loan applications, Bluevine is the structurally right choice.
- Can I have both a Bluevine LOC and a Fundbox LOC?
- Yes, neither has hard anti-stacking language and both products serve different draw-size profiles. Practical pattern: Bluevine LOC at $100K – $250K for larger episodic draws (equipment, inventory, seasonal capex); Fundbox LOC at $25K – $50K for smaller working-capital smoothing (payroll bridges, supplier prepays). Both pull business credit and see the other balance. The combined debt-service risk is real for smaller-revenue merchants but manageable for $50K+/mo merchants who maintain combined utilization under 50% of approved limits. Disclose each on the other's application to avoid misrepresentation risk.