TL;DR
Bluevine ranks #4 in our 2026 funder ranking. Best for established merchants (12+ months, 625+ credit) with recurring or fluctuating capital needs. The strength: Materially cheaper than any MCA when you qualify. The watch-out: Higher qualification bar — 12+ months TIB, 625+ credit, established revenue.
Bluevine rate card 2026
| Category | LOC |
| Best for | Cheapest revolving capital if you qualify |
| Amount range | $10K – $250K |
| Cost (factor / APR) | APR 6.2% – 27% |
| Speed to fund | 1 – 3 business days |
| Min time in business | 12 months |
| Min monthly revenue | $10,000 |
| Min credit score | 625+ |
The strength — what Bluevine does better than anyone
Materially cheaper than any MCA when you qualify. Strong product-led UX. Builds business credit (reports to commercial bureaus).
The watch-out — what Bluevine doesn't put in marketing
Higher qualification bar — 12+ months TIB, 625+ credit, established revenue. Not an option for thin-file or B/C-paper merchants.
Who Bluevine is best for
Established merchants (12+ months, 625+ credit) with recurring or fluctuating capital needs.
Who shouldn't apply
Merchants with less than 12 months in business will get an automatic decline — try Accord (3 months) or Greenbox (6 months) instead. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Bluevine actually makes sense.
How Bluevine compares to the rest of the top 10
| Funder | Category | Cost | Speed |
|---|---|---|---|
| Bluevine (this funder) | LOC | APR 6.2% – 27% | 1 – 3 business days |
| Credibly | MCA + multi-product | Factor 1.11+ (MCA); APR varies for term + LOC | As fast as 4 hours |
| Greenbox Capital | Multi-product | Factor varies; published up to 19% ISO commission | 24 – 48 hours |
| Accord Business Funding | MCA specialty | Factor varies by paper grade (often 1.40+) | Next-day for approved files |
| OnDeck | Term + LOC | Term APR 27%+; LOC APR 30%+ | Same-day for approved files |
| Fundbox | LOC | Weekly fee structure; APR-equivalent typically 30–60% | As fast as 1 day |
What to ask Bluevine before signing
- "What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
- "Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
- "What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
- "Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.
Frequently asked questions
- Is Bluevine a direct funder or a broker?
- Bluevine is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
- What's the minimum revenue Bluevine will fund?
- Bluevine's published floor is $10,000 in average monthly revenue, with 12 months minimum time in business. Credit score floor is 625+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
- How fast can Bluevine fund?
- Bluevine's public speed quote is 1 – 3 business days. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
- Should I go directly to Bluevine or through a broker?
- Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Bluevine, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
- What's Bluevine's biggest weakness vs alternatives?
- Higher qualification bar — 12+ months TIB, 625+ credit, established revenue. Not an option for thin-file or B/C-paper merchants.
Head-to-head: Bluevine vs alternatives
Side-by-side comparisons with rate cards, use-case verdicts, and FAQs for picking between Bluevine and the closest alternatives in our 2026 ranking:
Head-to-head
Bluevine vs Credibly
See the comparison →
Head-to-head
Bluevine vs Fundbox
See the comparison →
Head-to-head
Bluevine vs Rapid Finance
See the comparison →
Head-to-head
Bluevine vs OnDeck
See the comparison →
Related reading
- The full 2026 ranking of 10 MCA funders — where Bluevine sits and why.
- How factor rates actually work — the math behind APR 6.2% – 27%.
- How to qualify for an MCA in 2026 — the 7 things underwriters check.
- Take the fundability quiz — find your tier in 2 minutes.