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Bluevine vs. Fundbox: Which is better?

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

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%4.66% for 12-week terms and 8.99% for 24-week terms
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: 4.4
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
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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 - 5 of 5
Name Product Filter Values Min. Amount Max. Amount APR Requirements
Lendzi
Finder Rating: 4.7 / 5: ★★★★★
Lendzi
$5,000
$2,000,000
Starting from 3.9%
525+ credit score, one year in business, at least $50,000 annual revenue
Compare lending options and get funded fast.
Lendio business loans
Finder Rating: 4.8 / 5: ★★★★★
Lendio business loans
$1,000
$5,000,000
Starting at 3%
Operate business in US or Canada for 6 months or more, have a business bank account, minimum 500 personal credit score, around $8,000 in monthly revenue
Submit one simple application to potentially get offers from a network of over 75 legit business lenders.
Fundera business loans
Finder Rating: 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.
Clearco
Finder Rating: 4.8 / 5: ★★★★★
Clearco
$5,000
$1,800,000
6.50% to 19.00%
Eligible online business, average of $10,000 monthly revenue, 6 months of revenue, LLC or corporation.
Merchant cash advances for e-commerce and SaaS startups.
BusinessLoans.com
Finder Rating: 4.4 / 5: ★★★★★
BusinessLoans.com
$5,000
$3,000,000
Varies by loan type and lender
Must have been in business between 1 to 2 years, have a minimum revenue of $75,000 to $250,000 and have a minimum credit score of 500 to 650.
Complete a three-minute form to see loans that fit your business’s needs. Compare offers without a hard credit check.
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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.

More guides on Finder

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