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Bluevine vs. Fundbox: Which is better?

Comparing Bluevine and Fundbox: Key differences in interest rates, loan amounts and features.

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Dhara Singh

Edited by

Holly Jennings

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For businesses seeking financing options, Bluevine and Fundbox are both highly rated lenders to consider. Bluevine offers larger loan amounts, which benefits companies looking for greater funding. On the flip side, Fundbox has fewer eligibility requirements, making it more accessible for newer business owners.

Bluevine vs. Fundbox: A quick comparison

BluevineFundbox











Finder rating★★★★★ ★★★★★
Loan products offered
  • Line of credit to cover payroll, hire full-time or seasonal employees, purchase inventory, renovate office and more
  • Line of credit to cover payroll, inventory, raw materials, maintenance and more
Interest ratesStarting at 6.2%Not stated
FeesNo fees for opening, prepayment or account closureNo origination, opening or prepayment fees
Loan amountsUp to $250,000Up to $150,000
Turnaround time
  • Within 24 hours if ACH transfer
  • Within a few hours wire transfer
  • Next business day
Eligibility requirements
  • Full name
  • Date of birth
  • Social Security number
  • Min 625 credit score
  • Min two years in business
  • $40,000 monthly revenue
  • The business operates in US state
  • Basic details about the owner and business
  • Bank connection or 3 months of bank statements
  • Full name
  • Date of birth
  • Social Security number
  • Min 600 FICO score
  • $100,000 min annual revenue
  • 6+ months in business
  • Business checking account
Ratings
  • BBB star rating: A+
  • Trustpilot rating: 4.2
  • BBB star rating: A+
  • Trustpilot rating: 4.5
State availabilityNot available in: Nevada, North Dakota, South DakotaAvailable in all states
Pros
  • Autosync with accounting software such as QuickBooks
  • Borrowers may be eligible for credit line increases
  • Fundbox Flex Pay offers 3 extra days to repay with no fees
  • Relaxed eligibility requirements
Cons
  • Auto dealerships and political organizations don’t qualify
  • High monthly revenue requirements
  • Short repayment periods
  • Lower max borrowing limit
Read review
Read review

Bluevine vs. Fundbox: Which one’s better?

Bluevine proves to be a stronger competitor with a higher credit line maximum and flexible repayment terms. However, for people with lower credit scores, Fundbox may be the better fit with more relaxed eligibility requirements and a lower minimum credit score requirement than Bluevine.

When to consider Bluevine

Bluevine is a compatible choice for businesses that want:

  • Larger loan amounts. Borrowers can receive up to $250,000 if they qualify.
  • Fast decision times. Find out if you qualify within three minutes.
  • Financial education. Bluevine has an extensive library of articles to help you make informed decisions.

When to consider Fundbox

Fundbox may be the best option for your business if you need:

  • Flexible repayment periods. Fundbox offers a three-day grace period for missed payments and allows you to change the repayment date each time you draw your line of credit.
  • More relaxed eligibility requirements. Fundbox requires a minimum of $100,000 in annual revenue, while Bluevine requires $40,000 a month.
  • Lower credit scores accepted. Fundbox accepts a minimum of 600 credit score, which is lower than many competitors.

The similarities

Although both Bluevine and Fundbox differ in their approval requirements, geographic availability and loan amounts, both offer fast turnaround times. Both companies also have an excellent A+ rating from the Better Business Bureau as well as from customer reviews on Trustpilot.

Compare other business loans

Compare up to four lenders side by side to see how they stack up.

1 - 6 of 6
Updated regularly
Name Product USFBL Filter Values Min. Amount Max. Amount APR Requirements
Olympus Business Capital
Finder Score: 4.4 / 5: ★★★★★
Olympus Business Capital
$500
$250,000
Not stated
Been in business for 6 months registered with the state, active and open bank account in business name, have $10,000 of revenue each month
No credit needed. Funding up to $250,000 with a variety of finance options to best fit your business needs.
Go to site
Lendio business loans
Finder Score: 4.8 / 5: ★★★★★
Lendio business loans
$1,000
$10,000,000
Varies by lender
Operate business in US or Canada for 6 months or more, have a business bank account, minimum 520 personal credit score, at least $8,000 in monthly revenue.
Submit one simple application to potentially get offers from a network of over 75 legit business lenders.
Go to siteMore Info
Fundera business loans
Finder Score: 4.9 / 5: ★★★★★
Fundera business loans
$2,500
$5,000,000
Varies based on lenders
$60,000+ of annual revenue, 550+ personal credit score, in business for 6+ months
Get connected with short-term funding, SBA loans, lines of credit and more.
Go to siteMore Info
Fora Financial business loans
Finder Score: 4.5 / 5: ★★★★★
Fora Financial business loans
$5,000
$1,500,000
Varies
6+ months in business, $25,000+ gross monthly sales, no open bankruptcies
Get qualified for funding in minutes for up to $750,000 without affecting your credit score. Best for companies with at least six figures in annual revenue.
Go to siteMore Info
National Funding business loans
Finder Score: 4.6 / 5: ★★★★★
National Funding business loans
$5,000
$500,000
Undisclosed
In business 6+ months and make at least $250,000 in annual sales. Other loan types have additional requirements.
Working capital loans and equipment financing, some high-risk industries may be eligible.
Go to site
American Express® Business Line of Credit
Finder Score: 4.4 / 5: ★★★★★
American Express® Business Line of Credit
$2,000
$250,000
N/A
Minimum FICO score of at least 660 at the time of application, have started your business at least a year ago, and an average monthly revenue of at least $3,000
Access lines of credit for your small business even if you aren't currently an Amex customer.
Go to siteMore Info
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Alternatives to Bluevine and Fundbox

Here are alternatives similar Bluevine and Fundbox:

  • OnDeck: OnDeck can fund your business loan as soon as same day.
  • Finance Factory: Finance factory offers rates starting at 0%.
  • American Express Business Line of Credit: Amex Business Line of Credit works for borrowers who would prefer monthly fees over interest

See how other lenders stack up

Here are other comparisons that may be helpful when choosing the right business lender.

Holly Jennings's headshot
To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
Dhara Singh's headshot
Written by

Writer

Dhara Singh was a freelance personal finance writer at Finder specializing in loans. Formerly she was a top 10 journalist at Yahoo Finance with more than 38+ million content views where she covered retirement and mortgages. She has also written for Bankrate, and CNET and continues to write for a variety of outlets, such as Investopedia and Worth magazine. Her articles focus on equipping readers with the right information and data so they can make the most informed decisions related to their finances. Dhara previously worked as an insights analyst for Finder’s PR team, where she started the Deadliest Cities to Drive series in 2018, connecting interesting data analysis to a suite of car insurance products. When she’s not writing, Dhara coaches small business owners through her Stories to Sales programs and empowers them to use their life experiences to help other people. She has also self-published a poetry book on Amazon called Tell her She’s Lovely. Dhara holds a B.S. in Finance and Supply Chain Management from Rutgers University and a M.S. in Journalism from Columbia University. See full bio

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