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EDITORIAL REVIEW
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from
our partners. However, this doesn’t influence our evaluations. Our opinions are our own.
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on BlueVine's website
EST. APR
15.00 - 78.00%
600
Cons
• Short repayment term results in higher payment amounts.
• Requires personal guarantee.
• Not available in North Dakota, South Dakota or Vermont.
600 500
BlueVine’s business line of credit, invoice factoring or term loan may be right for your business if you:
• Need cash fast: Funding times for BlueVine’s products range from 12 to 24 hours.
• Have B2B customers who don’t pay promptly: BlueVine invoice factoring may help fill a cash gap.
• Don’t meet credit requirements with other lenders: BlueVine considers borrowers with bad credit.
Line of credit
BlueVine's business line of credit works best for short-term financing needs, like managing cash flow or buying
inventory.
APR: 15% to 78%.
How to qualify:
Invoice factoring
BlueVine’s invoice factoring works best for financing larger invoices, but only if your customers reliably pay on time.
Term loan
BlueVine's term loan works best for newer businesses that need short-term funding.
How to qualify:
Here’s how BlueVine invoice factoring works: You receive funding against invoices due in one to 13 weeks. BlueVine
advances 85% to 90% of the invoice amount and then the remainder when a customer pays you, minus fees.
BlueVine gives your customer two weeks to directly pay your BlueVine account. If a customer fails to pay, you have
to pay back the invoice.
Its term loan requires weekly repayments, while its line of credit is repaid weekly or monthly. The high frequency of
payments can pose an issue for businesses that have uneven sales or don't hold much cash in a bank account.
on BlueVine's website
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