The specs
CrediblyBluevine
Product typeMulti-productLOC
Amount range$5K – $600K$10K – $250K
Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)APR 6.2% – 27% (LOC)
Speed to fundAs fast as 4 hours1 – 3 business 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
- CNC machine shop with B-paper owner credit (FICO 550 – 599) needing tooling, raw material, or production capital — Winner: Credibly. CNC machine shops with B-paper owner credit (FICO 550 – 599) needing CNC tooling refresh, raw material restock (aluminum, steel, brass, titanium bar stock and plate), or production payroll bridge qualify cleanly at Credibly (550+ FICO floor) but face Bluevine's 625+ FICO floor as structural decline. Credibly accepts B-paper CNC shop files at MCA factor 1.22 – 1.36. For B-paper CNC machine shop files Credibly is structurally primary as of 2026-06-30.
- Established CNC machine shop with 680+ FICO needing revolving working capital for production cycle and aerospace/defense supplier deposits — Winner: Bluevine. Established CNC machine shops with A-paper credit (680+ FICO, 36+ months TIB, $50K+/mo revenue) supplying aerospace, defense, medical device, or precision OEM customers needing revolving line of credit for production cycle working capital (raw material restock, tooling refresh, supplier deposit cycle, production payroll bridge before customer invoice payment on Net 60 – 90 terms) qualify for Bluevine LOC at APR 14 – 22% with draw-as-needed flexibility — materially cheaper than Credibly MCA for cost-optimized production cycle working capital. For A-paper CNC machine shop revolving working capital Bluevine structurally primary on cost and product fit.
- CNC machine and equipment financing for major capacity expansion (new VMC, HMC, lathe, or 5-axis center) — Winner: Tie. CNC machine shops have structurally favorable equipment financing alternatives (Crest Capital, Balboa Capital, Beacon Funding, Direct Capital, Pawnee Leasing) for CNC vertical machining center, horizontal machining center, CNC lathe, 5-axis machining center, EDM, or CNC grinder purchase at 7 – 14% APR with CNC equipment as collateral. Materially cheaper than both Credibly MCA and Bluevine LOC for major CNC equipment deployment. Tie because realistic recommendation routes CNC equipment capital to equipment financing; Credibly and Bluevine secondary for working capital not tied to equipment purchase.
- Speed for aerospace/defense customer PO award with rush production timeline — Winner: Credibly. CNC machine shops face capital pressure on aerospace, defense, and medical device customer PO awards with rush production timeline requirements where raw material procurement, tooling acquisition, and production capacity must mobilize within days. Credibly's 4-hour funding beats Bluevine's 1 – 3 business day funding for genuine same-day raw material and tooling capital mobilization. For CNC shop emergency PO mobilization capital Credibly structurally primary on speed.
- Capital scale for major CNC machine shop expansion (additional bay, second shift mobilization, AS9100 certification deployment) — Winner: Credibly. Major CNC machine shop expansion deployment (capacity expansion via additional production bay, second shift mobilization, AS9100 or ITAR certification deployment, ISO 9001 compliance investment) typically requires capital scale at or above Bluevine's $250K LOC cap. Credibly's $5K – $600K range accommodates larger CNC shop capital deployment. SBA 7(a) ($5M cap at 11 – 14% APR) and SBA 504 (facility / major equipment at 6 – 8% APR over 20 – 25 year term) structurally favored for major CNC shop expansion. For CNC shop expansion above $250K in this 2-way Credibly structurally primary on capital scale.
The honest takeaway
Credibly and Bluevine 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
- How do Credibly and Bluevine underwrite CNC machine shops as of 2026-06-30?
- Credibly and Bluevine underwrite CNC machine shops with materially different posture as of 2026-06-30. Credibly accepts CNC shops at 550+ FICO floor, $15K/mo revenue floor, and 6+ months TIB with MCA and term loan products at $5K – $600K capital scale. Bluevine accepts CNC shops at 625+ FICO floor, $10K/mo revenue floor, and 12+ months TIB with revolving LOC at $10K – $250K capital scale and materially cheaper APR (14 – 22% vs Credibly factor 1.18 – 1.36). The realistic CNC machine shop Credibly vs Bluevine framework: (1) Equipment financing (Crest Capital, Balboa Capital, Beacon Funding, Direct Capital, Pawnee Leasing) for CNC vertical machining center, horizontal machining center, CNC lathe, 5-axis machining center, EDM, or CNC grinder deployment at 7 – 14% APR with CNC equipment as collateral — evaluate first for CNC equipment-specific capital; (2) Invoice factoring (TCI Business Capital, Riviera Finance, altLINE, eCapital, Triumph Business Capital) for CNC shops selling to creditworthy aerospace, defense, medical device, or precision OEM customers on Net 30 – 90 terms at 1 – 3% factor per 30 days — structurally cleaner than MCA for customer-payment-timing capital; (3) PO financing (SouthStar Capital, King Trade Capital, 1st Commercial Credit) advance against confirmed aerospace, defense, or OEM customer PO at 2 – 4% per 30 days; (4) SBA 7(a) and SBA 504 for major capital deployment at materially cheaper rates over longer term; (5) B-paper CNC shop files route to Credibly structurally — below Bluevine's 625+ floor; (6) A-paper CNC shop files needing revolving working capital structure route to Bluevine LOC for cost optimization. CNC machine shop industry-specific considerations: raw material commodity price cycle (aluminum, steel, brass, titanium bar stock and plate); tooling cycle and tool life economics; CNC programming cost and CAM software economics; customer payment terms (Net 30 – 90 typical for aerospace, defense, medical device OEM); concentration risk on major aerospace, defense, or medical device customers; AS9100, ITAR, ISO 9001, ISO 13485 certification investment cycle; quality system documentation cost; equipment depreciation cycle (CNC equipment 5 – 10 year useful life); skilled machinist labor cost and overtime economics; second shift mobilization economics.
- What capital structure makes sense for an established CNC machine shop doing $180K/mo revenue supplying aerospace and defense customers with 690 FICO owner credit needing $300K for new 5-axis VMC and aerospace customer PO mobilization?
- Equipment financing, PO financing, and Bluevine LOC are structurally primary for this established CNC machine shop mixed deployment as of 2026-06-30. The realistic established CNC machine shop capital playbook: (1) Route 5-axis VMC equipment portion to equipment financing — Crest Capital, Balboa Capital, Beacon Funding, or Direct Capital for 5-axis VMC purchase at 7 – 11% APR with 5-axis VMC as collateral; expected offer: $200K – $400K equipment loan over 5 – 7 year term. Materially cheaper than alternatives. (2) Route aerospace customer PO mobilization capital to PO financing — SouthStar Capital, King Trade Capital, 1st Commercial Credit advance against confirmed aerospace customer PO at 2 – 3.5% per 30 days; expected offer: $50K – $150K advance against PO. Materially cleaner than generalist financing for PO-tied capital. (3) Route ongoing production cycle working capital to Bluevine LOC — file qualifies cleanly for Bluevine (690 FICO, $180K/mo, 3+ years TIB). Expected Bluevine offer: $150K – $250K LOC at APR 14 – 20%. Revolving structure aligned with raw material restock, tooling refresh, and production cycle working capital. (4) Evaluate SBA 504 for facility expansion or major equipment portion — expected SBA 504 offer: $200K – $1M at 6 – 8% APR over 20 – 25 year term; materially cheaper than alternatives if SBA timing fits and facility component included. (5) Credibly only if borrower needs same-day funding emergency or AS9100 audit deadline emergency — otherwise equipment financing + PO financing + Bluevine LOC materially cheaper. (6) Long-term capital strategy — build equipment financing relationships for CNC equipment refresh cycle (5 – 10 year cycle); build PO financing for aerospace and defense customer PO capital; build Bluevine LOC as primary revolving working capital infrastructure; build invoice factoring for customer Net 60 – 90 payment timing; pursue SBA 7(a) or SBA 504 for major facility expansion or AS9100/ITAR certification deployment.
- Which is right for a 3-year CNC machine shop doing $45K/mo revenue with 590 FICO owner credit needing $30K for tooling refresh and aluminum bar stock restock?
- Credibly is structurally primary for this file as of 2026-06-30 because 590 FICO falls below Bluevine's 625 floor — Bluevine declines structurally. The realistic small CNC machine shop capital playbook: (1) Evaluate equipment financing for tooling portion if tooling deployment large enough to justify equipment financing structure — Beacon Funding and Pawnee Leasing accommodate tooling deployment as low as $10K – $25K; expected offer: $15K – $30K tooling loan at 9 – 14% APR over 36 – 60 month term. Materially cheaper than MCA when tooling deployment qualifies. (2) Evaluate PO financing if aluminum bar stock restock tied to confirmed customer PO — SouthStar Capital, 1st Commercial Credit advance against PO at 2 – 4% per 30 days. (3) Evaluate invoice factoring if customer invoices already issued — TCI Business Capital, Riviera Finance, altLINE for invoice factoring at 1 – 3% factor per 30 days. (4) Route to Credibly as structural primary if equipment financing, PO financing, and invoice factoring unavailable — file qualifies for Credibly's box (590 FICO above 550 floor, 36 months TIB, $45K/mo revenue above $15K floor). Expected Credibly MCA offer: $30K – $45K MCA at factor 1.28 – 1.38. (5) Production margin economics critical — only finance tooling refresh and raw material restock when CNC production margin after raw material cost, tooling cost, machinist labor cost, machine time, overhead, and MCA payback supports profitable customer work. (6) Long-term capital strategy — build equipment financing relationships for CNC equipment and tooling refresh; plan FICO migration to 625+ for Bluevine LOC graduation; build invoice factoring relationship for Net 60 – 90 customer payment timing.