The specs
Greenbox CapitalBluevine
Product typeMulti-productLOC
Amount range$5K – $250K (MCA); other products vary$10K – $250K
Cost (factor / APR)Factor varies by paper; published commission up to 19% to ISOsAPR 6.2% – 27% (LOC)
Speed to fund24 – 48 hours1 – 3 business days
Min time in business6 months12 months
Min monthly revenue$15,000$10,000
Min credit scoreFlexible — accepts down to 500 on some programs625+
Products
- MCA
- Invoice factoring
- Equipment financing
- Collateral loans
- LOC
- Line of credit
- Invoice factoring
Verdicts by use case
- Cheapest money — Winner: Bluevine. Bluevine LOC APR 6.2-27% materially cheaper than Greenbox MCA factor 1.28-1.45 for qualifying merchants.
- Acceptance with bad credit — Winner: Greenbox Capital. Greenbox 500+ credit vs Bluevine 625+. Sub-625 credit gets you nowhere with Bluevine.
- Newer businesses (6-12 months) — Winner: Greenbox Capital. Greenbox 6+ month TIB vs Bluevine 12+ month TIB. The 6-12 month window is Greenbox-only of the two.
- Building business credit — Winner: Bluevine. Bluevine reports to business credit bureaus. Greenbox doesn't.
- Product flexibility (LOC vs lump sum) — Winner: Bluevine. Bluevine's LOC structure lets you draw what you need vs Greenbox's all-or-nothing lump-sum MCA.
The honest takeaway
Greenbox Capital 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
- I have 650+ credit and 18 months TIB — which?
- Bluevine. The 6-27% APR on a LOC is dramatically cheaper than any MCA. Use Greenbox only if Bluevine declines you.
- I have 540 credit — which?
- Greenbox only. Bluevine requires 625+ and will decline you.
- Which is faster?
- Both 1-3 days for clean files. Bluevine's initial LOC setup takes longer; subsequent draws are instant. Greenbox is single-disbursement so first deal speed equals total speed.