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 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 $30,000 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.
Dhara Singh is 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.
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