Business financing options like BlueVine

The top alternative providers to BlueVine for business loans.

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Every business has ongoing expenses. There’s inventory to order, salaries to pay — not to mention rent for your office space and utility bills. Although, BlueVine is a popular online business lender that specializes in financing for these operational costs, it’s not the only option. Similar providers offer business lines of credit, invoice factoring and more to help your business cover day-to-day costs and continue to grow.


  • Revolving financing
  • Minimal fees
  • Keep contact with customers even after selling their invoices


  • Weekly repayments
  • Pay $15 to get funds in 24 hours
  • Lines of credit only available in 43 states
  • Invoice factoring not for healthcare or medical businesses
  • Lien on business assets and personal guarantee required

Click here to see BlueVine

While BlueVine might be a great option for your business, you might want to check out the competition first. Here are some top alternatives.

1. Kabbage

Thinking about BlueVine’s line of credit? You might want to look into Kabbage. While this online lender doesn’t offer invoice factoring, Kabbage might be a good option if your business’s success isn’t reflected well by traditional ways of evaluating its creditworthiness. While credit scores and revenue count, Kabbage also looks at other data like shipping numbers and fuel usage when coming up with your rate.

Kabbage’s credit lines run slightly larger than BlueVine’s, from $500 to $250,000. Each time you draw from it, your withdrawal turns into a term loan with a term of 6 months to 1 year . Applying and withdrawing might also be a bit smoother than BlueVine, thanks in part to Kabbage’s debit card, which your business can use like a credit card when making purchases. It’s available in all states and comes with monthly, instead of weekly, repayments.

Kabbage’s monthly revenue requirements might be less than half of Bluevine’s, but you’ll need to be in business for at least a year to qualify. Kabbage also has a complicated fee structure instead of interest that front-loads higher rates. This means you won’t be able to save much by paying your loan off early unless you do so in the first few months.


  • Business debit card to withdraw funds instantly
  • Monthly repayments
  • Lower monthly revenue requirement
  • Available in all 50 states


  • No invoice factoring
  • Complicated fees
  • Not for businesses less than a year old

fundbox business financing

2. Fundbox

Like BlueVine, FundBox also offers both invoice factoring and lines of credit — only these aren’t secured with collateral. Fundbox looks at your business’s finances by connecting to its accounting software instead of your personal credit score. Since your accounting software is hooked up to your account, financing an invoice only takes a few clicks and seconds of your time.

Both BlueVine and Fundbox’s credit lines max out at $100,000, but Fundbox’s start much lower at $1,000. Fundbox’s rates are slightly more competitive than BlueVine’s — but likely not enough to make much of a difference.

Fundbox treats its lines of credit and invoice factoring as a similar product, so BlueVine’s credit line might work better for businesses with a high volume of unpaid invoices. Each withdrawal from your Fundbox’s line of credit turns into a term loan — only with much shorter loan terms and weekly repayments.


  • No collateral
  • Free 24-hour funding
  • Personal credit score doesn’t matter
  • Keep your relationship with customers even after selling their invoices
  • Available in all 50 states


  • Weekly automatic repayments
  • Must use specific accounting software
  • Possible change in terms

3. National Business Capital

Run a high-earning business that needs more funds than BlueVine offers? National Business Capital could have what you’re looking for. Unlike BlueVine, it’s an online business marketplace, which means it works with lenders that offer a wide range of business loans, including business lines of credit and accounts receivable refinancing. It also offers funding for startups in the form of a business credit card.

The loans you find through National Business Capital run higher than BlueVine’s, ranging from $10,000 to $5,000,000, or 95% of your accounts receivable. It also comes with a wide range of loan terms, from 3 months to 25 years . And unlike with BlueVine, its loans are unsecured — so they don’t require collateral.


  • Higher amounts available
  • Unsecured loans
  • Available in all 50 states


  • Up to five days to get your funds
  • At least $180,000 annual revenue required
  • Potentially high cost

ondeck logo

4. OnDeck

OnDeck is an online lender offering business term loans and lines of credit, so you’ll want to skip this one if you’re interested in invoice factoring. Unlike BlueVine, it looks at your business’s cash flow and general performance instead of just considering your credit score. It rewards loyalty with reduced fees for companies that apply for a second and third loan.

OnDeck’s lines of credit come in the same range as BlueVine’s, but its term loans can get as high as $500,000. It also offers a choice between short- and long-term loans, ranging from 3 to 36 months .

OnDeck’s loans can be more expensive than BlueVine’s, however. Its term loans come with an annual interest rate (AIR) starting at 9.99%, while the starting APR for credit lines is 13.99%. It also charges an origination fee of 5% to 4% on its credit lines for first-timers.


  • High customer rating
  • Prioritizes cash flow and performance
  • Available in all 50 states
  • High term loan amounts


  • Daily or weekly repayments
  • Restrictions on industries
  • Higher starting rates than BlueVine
  • No invoice factoring

5. LendingTree

New to business financing and unsure where to start? LendingTree can help you find a lender and provides educational resources to ensure you’re getting the right type of financing for your business’s needs. Unlike BlueVine, LendingTree isn’t a direct lender. Instead, it can connect your business with lenders that offer a wide range of business loans, including lines of credit and invoice factoring.

Since it’s not a lender, the rates and loan amounts your business might qualify for vary, so it’s difficult to compare to BlueVine. To apply, fill out a quick online form to get offers from multiple lenders your business might qualify for.

Just because you get an offer doesn’t mean you’re guaranteed to get approved. And while using LendingTree’s services are free, it’s difficult to tell what kinds of rates or fees you might qualify for until after you apply.


  • Compare multiple offers at once
  • Educational resources
  • Available in all 50 states


  • Calls and emails from lenders
  • Slow turnaround on some loans
  • Unable to see rates or fees before applying

excel capital management logo

6. Excel Capital Management

Excel Capital Management is both a direct lender and a connection service — if your business isn’t a right fit for its financing, one of its partner members might be. Through Excel Capital Management, your business can apply for both secured and unsecured lines of credit — BlueVine only offers secured.

Businesses can qualify for up to $150,000 in funding for credit lines. With invoice factoring, the amount you can fund depends on the creditworthiness of your customers, your sales volume, the value of your invoices and their turnover time. Unlike BlueVine, both options are available in all 50 states. And when you apply, you’ll get multiple offers from lenders your business might qualify for.

Excel Capital Management’s site isn’t as forthcoming about loan features as some other lenders, so it can be difficult to tell what you’re getting into before you apply. It has slightly stricter eligibility requirements than BlueVine: Your business must operate in the US, be at least 1 year old and have monthly revenue of $15,000+. You also can’t choose the loan type you want in the application, meaning that you might not qualify for invoice factoring or a line of credit when you apply.


  • Multiple offers at once
  • Available in all 50 states
  • Unsecured lines of credit available


  • Can’t choose loan type in application
  • Must be in business for at least one year
  • $50,000 annual revenue required
  • Unable to see rates or fees before applying

Compare more business loans

Updated February 26th, 2020
Name Product Filter Values Min. Amount Max. Amount Requirements
LoanBuilder, A PayPal Service Business Loans
Annual business revenue of at least $42,000, at least 9 months in business, personal credit score of 550+.
Customizable loans with no origination fee for business owners in a hurry.
Become Business Loan Marketplace
12+ months in business and $10,000+ monthly revenue
Compare loan offers from top lenders using this marketplace. It’s free & won’t affect your credit.
National Business Capital Business Loans
Your company must have been in business for at least 6 months and have an annual revenue of at least $100,000.
Get a large business loan to cover your financing needs, no matter what the purpose is.
OnDeck Small Business Loans
600+ personal credit score, 1+ years in business, $100,000+ annual revenue
A leading online business lender offering flexible financing at competitive fixed rates.
BlueVine Business Loan
6+ months in business, $10,000 in monthly revenue, 600+ personal credit score.
Get approved for a business loan in as little as 5 minutes. Applications won't affect your credit score.
First Down Funding business loans
Varies by type of loan
Alternative financing up to $300K with highly competitive rates.
Kabbage Small Business Line of Credit
1+ years in business, $50,000+ annual revenue or $4,200+ monthly revenue over last 3 months
A simple, convenient online application could securely get the funds you need to grow your business.
First Union Lending Unsecured Long-Term Business Loan
450+ credit score, 3+ months in business, $15,000+ monthly revenue, no open bankruptcies
Unsecured funding and more for all credit types.
Sheer Funding Business Loans
6+ months in business, 550+ credit score, $150,000+ annual revenue, eligible industry
Multiple financing options available for business owners with less-than-perfect credit scores.
Efundex long-term business loans
2+ years in business, 620+ credit score, not a sole proprietorship or nonprofit, strong financial history
Financing for high-risk industries with transparent rates and terms.
Lendio Business Loan Marketplace
Must operate a business in the US or Canada, have a business bank account and have a personal credit score of 560+.
Submit one simple application to potentially get offers from a network of over 75 legit business lenders.

Compare up to 4 providers

See how other top providers compare to different lenders by checking out A-to-Z directory.

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