Bluevine offers business lines of credit and business checking, popular with online-first businesses. Here is how MFE compares — honestly.
See If You Qualify with MFE →| Criteria | Merchant Fund Express | Bluevine |
|---|---|---|
| Minimum FICO | 500+ | 625+ |
| Time in Business | 6 months | 2 years |
| Max Funding | $5,000,000 | $250K LOC |
| Decision Speed | 2-4 hours | 1-3 days |
| Direct Funder | Yes | Yes |
| Product Range | Working Capital, LOC, MCA, Equipment, Factoring, RBF | Limited |
| Free Statement Audit | Yes | No |
| Clover POS Partner | Yes (1N1) | No |
| Branding/Web Partner | Yes (Legend Media) | No |
| Bilingual (EN/ES) | Yes | Limited |
Business banking + lines of credit, fast funding, good for B2B with invoices.
Minimum 625 FICO, 625+ for line of credit, 2+ years in business for best terms, no MCA, no equipment financing, no POS/branding partners, line of credit only up to $250K.
MFE accepts 500+ FICO and 6 months in business, offers the full funding stack (working capital, MCA, equipment, factoring, RBF) not just a line of credit, plus the partner network Bluevine has no equivalent of.
Bluevine is good if you want banking + a line of credit and have strong credit. For businesses needing more funding types, lower credit acceptance, or faster decisions across products, MFE covers more ground.
Merchant Fund Express is a direct funder — not a broker, not a marketplace, not a lead-seller. When you apply with MFE, you deal with one accountable team from application to funding. No getting passed around. No mystery third party. And uniquely in this space, MFE bundles the things a growing business actually needs: capital, Clover POS systems (via 1N1 Merchant Solutions), full branding and web design (via Legend Media & Print), and a free merchant statement audit to make sure you are never overpaying processing fees.
Or call (305) 384-8391 · 500+ FICO accepted · Decision in 2-4 hours
Recent fundings. Individual results vary; funding subject to approval.