The specs
Credibly ISO PortalBluevine ISO Portal
Product typeMulti-productLOC
Amount range$5K – $600K (MCA, term, LOC)$10K – $250K (LOC)
Cost (factor / APR)Factor 1.11+ A-paper MCA; APR varies termAPR 6.2% – 27% (LOC)
Speed to fund4 hours on clean files; submission-to-offer under 30 minutes via API V21 – 3 business days post-approval; portal submission-to-offer 2 – 5 days
Min time in business6 months12 months
Min monthly revenue$15,000$10,000
Min credit score550+625+
Products
- MCA
- Working capital LOC
- Short-term term loan
- Line of credit
- Invoice factoring
Verdicts by use case
- ISO building a book on B/C-paper or thin-file merchants — Winner: Credibly ISO Portal. Credibly's 550+ FICO and 6-month TIB floor is reachable for most ISO-typical merchants. Bluevine's 625+ FICO and 12-month TIB bar excludes the majority of merchants ISOs place. For an ISO book focused on B/B+ paper Credibly is structural primary.
- A-paper merchant with 625+ FICO and 12+ months TIB seeking cheapest cost — Winner: Bluevine ISO Portal. Bluevine LOC at 14% APR is materially cheaper than Credibly MCA at 1.30 factor on the same dollar amount. For ISOs with strong A-paper merchants who clear Bluevine's bar, Bluevine wins on merchant economics.
- Direct ISO submission portal with documented commission economics — Winner: Credibly ISO Portal. Credibly publishes an ISO portal with documented commission economics in the API V2 contract. Bluevine has no equivalent direct ISO portal — broker referrals route through marketplace aggregators (Lendio, Fundera, Nav) where commission economics depend on the aggregator's tier rather than direct Bluevine terms.
- Fast funding (sub-24 hours) — Winner: Credibly ISO Portal. Credibly funds in as fast as 4 hours on clean files. Bluevine LOC requires 1 – 3 business days post-approval and the broker submission flow adds 2 – 5 days before approval — total time to funds typically 5 – 8 days for broker-routed Bluevine deals.
- Merchant building business credit with revolving capital — Winner: Bluevine ISO Portal. Bluevine LOC reports to commercial credit bureaus and supports revolving draws — structurally better for credit-building merchants. Credibly MCA generally does not build business credit (receivables sale, not a loan).
The honest takeaway
Credibly ISO Portal and Bluevine ISO Portal 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
- Does Bluevine even have a direct ISO partner program?
- Not in the way Credibly, Greenbox, Accord, or Kapitus do as of 2026-06-28. Bluevine is primarily direct-to-merchant; broker referrals into Bluevine typically route through marketplace aggregator partner programs (Lendio, Fundera, Nav, Lendio Affiliate Network) where the aggregator earns the referral fee and the ISO gets a smaller cut from the aggregator. For ISOs prioritizing direct funder relationships with documented commission tiers Credibly, Greenbox, Accord, Kapitus, and Libertas Funding all publish direct ISO portals; Bluevine submissions are best understood as aggregator-mediated. The realistic ISO playbook: place A-paper LOC-suitable merchants via Lendio's Bluevine partner flow if the merchant clears Bluevine's 625+ FICO and 12+ months TIB bar; otherwise place direct with Credibly or Greenbox for the documented direct ISO commission economics.
- If my merchant qualifies for both, which submission wins on ISO economics?
- Credibly typically wins on documented direct ISO commission. The Bluevine path via Lendio or Fundera carries an aggregator markup — the ISO's commission share after the aggregator's cut is usually smaller than what Credibly pays direct on the same deal size. For A-paper merchants who clear both underwriting boxes the realistic decision tree: if merchant cost of capital is decisively the priority (and the merchant is making the cost-vs-speed trade-off explicitly), present the Bluevine LOC option for transparency; if ISO commission economics drive the routing, submit to Credibly direct via the API V2 portal. Many ISOs run both in parallel — present Bluevine as the merchant-favorable cost option and Credibly as the fast-funding option, let the merchant pick.
- What's the realistic ISO submission cascade for a $200K capital need on an A-paper merchant?
- As of 2026-06-28 the realistic cascade: (1) Submit Credibly direct via API V2 portal for fastest commission and speed-to-funding (4-hour funding on clean files, commission paid 24 – 48 hours after merchant funding). (2) In parallel submit OnDeck direct if your ISO meets the 2+ year / $1M/mo volume bar (term loan APR typically cheaper than Credibly MCA factor for A-paper). (3) Present Bluevine LOC option to the merchant for transparency if FICO is 625+ and TIB is 12+ months (cheapest cost of capital but slower funding and aggregator-routed commission). (4) Add Greenbox 2-stip MCA program as alternative direct submission with up to 19% published ISO commission. The decision driver is whether the merchant prioritizes speed-to-funding (Credibly), cheapest cost (Bluevine), or ISO relationship economics (Greenbox); pick the primary on the merchant's stated priority and present the alternative for transparency.