Bluevine is an online lender known for business lines of credit and invoice factoring, and it also offers business banking. Here is how the two compare, and who each one fits best.
See What You Qualify For →| Criteria | Merchant Fund Express | Bluevine |
|---|---|---|
| Products | Merchant cash advance, working capital, revenue-based financing, line of credit, equipment financing, invoice factoring, MCA refinance | lines of credit, invoice factoring, business checking |
| Credit score considered | 500+ FICO (approval leans on bank deposits and revenue) | See Bluevine's current published requirements |
| Funding range | $5,000 to $5,000,000 | See Bluevine's current published range |
| Decision speed | Typically 2-4 hours on a complete submission | See Bluevine's current published timing |
| Can help refinance stacked advances | Yes, see MCA refinance | Ask Bluevine directly |
| Phone support | (305) 384-8391, Mon-Fri 9am-6pm ET | See Bluevine's website |
Bluevine's requirements and pricing change over time and by applicant, so confirm them on its own website. MFE figures are the published minimums and typical timing and are not a guarantee of approval.
Businesses that want a revolving line of credit or invoice factoring from an online lender and already meet its published credit and revenue requirements.
Bluevine's offerings center on lines of credit and invoice factoring. A merchant cash advance, equipment financing or MCA refinance is outside that core focus, so owners who need those should compare other options.
Merchant Fund Express is built for small and midsize businesses that want to compare several funding products in one place and apply once. It considers owners with credit scores from 500, evaluates bank deposits and revenue first, and covers merchant cash advances, working capital, revenue-based financing, lines of credit, equipment financing and invoice factoring. It also helps businesses with several existing advances look at refinancing or consolidation.
There is no single best provider for every business. If Bluevine's product matches what you need and you meet its requirements, get its quote. If you want a wider menu, have a credit score below typical bank cutoffs, or need speed, request an MFE review and compare the total repayment on each offer.
More guides: MCA vs working capital loan · working capital vs line of credit · funding requirements
Or call (305) 384-8391 · Mon-Fri 9am-6pm ET · 500+ FICO considered