Bluevine Capital Inc. is a U.S.-based fintech lender established in 2013, specialising in working-capital finance and digital business banking. It provides an online revolving business line of credit and a high-yield business checking account through a partner bank. This lender serves only U.S.-domiciled small businesses and is not FCA-authorised. Bluevine may suit growth-oriented companies needing quick, flexible short-term cash flow solutions. For wider funding options in the UK, see our business loans overview and revolving credit loans explained.
Key Features of Bluevine Capital Inc.
The lender offers a fully digital application and account management platform with rapid decision and funding times. It integrates with popular accounting software for smooth underwriting and supports a high-yield business checking account.
- 100% online application with decisions within minutes – see our application service provider guide
- Same-day ACH or wire disbursement available for approved draws – learn about fast payment submissions
- Business checking account offers interest with tools for bill pay and vendor payments integrated into a mobile-optimised dashboard
- Integrates with QuickBooks, Xero, Wave & FreshBooks – streamlines financial documentation and underwriting
- No origination, maintenance, or prepayment penalties on the credit line – relevant to early repayment fees
Funding Eligibility
You may qualify for Bluevine's products if your business has been operating for at least six months with average monthly revenues around £8,000. You must be a U.S.-domiciled entity, excluding certain states and industries like gambling or adult entertainment. A good personal credit history is required, and a personal and blanket lien guarantee are standard. For understanding such requirements, review our loan eligibility guide and explanations about credit scores and bank statement use in lending.
Loan Options
Bluevine offers primarily a business line of credit, providing flexible access to funds within a credit limit. There was a legacy invoice factoring option for existing users but it is now closed for new customers. Below are details of the line of credit product.
- Business Line of Credit: £5,000 – £200,000; 26 or 52 weeks repayment schedules; interest approximately 4.8% to 6.2% simple interest per draw (15% to 78% APR); no origination fees; optional wire fees £12–£15; see more on revolving credit loans. Requires personal guarantees and a blanket lien. Offers fast funding within hours with a fixed weekly repayment schedule.
- Invoice Factoring (Discontinued): Previously available up to £4,000,000 with advances of 90% invoice value. This option is closed to new customers but was suited for businesses with 3+ months trading using B2B invoices. Fees started from 0.25% weekly factor fee with no set-up fee. More on factoring can be found under invoice financing.
How to Apply
The application is wholly online with fast decisions typically within minutes after a soft credit check and financial data verification. Approved funds may be available same-day with wire transfers or within a few days via ACH.
- Submit an online application form – available via the application form portal
- Provide identification, EIN, recent business bank statements preferably via API connection, and pertinent financial details
- Undergo verification and receive a quick eligibility response, supported by documents to demonstrate business and creditworthiness
- Upon approval, sign agreements including personal guarantee provisions – explained on our personal guarantees guide
Funding Agent's View on Bluevine Capital Inc.
Bluevine is a tech-driven provider offering fast, flexible working-capital solutions primarily for U.S. small businesses. UK firms are not eligible as Bluevine operates only in the United States. Its digital platform with rapid funding and low trading history requirements makes it suitable for short-term cash flow needs. However, personal guarantees, weekly repayments, and comparatively higher APRs limit appeal for larger or asset-backed businesses seeking longer-term, lower-cost finance. Prospective borrowers in the UK should explore options on our tools page, check eligibility criteria, and use our loan calculators for informed decisions.
