Provider profile · 2026 edition
Bluevine review 2026: scores, fees and alternatives.
A US business banking provider offering lines of credit up to $250,000 issued by Celtic Bank, with term loans from lending partners.
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A US business banking provider offering lines of credit up to $250,000 issued by Celtic Bank, with term loans from lending partners.
Bluevine scores 3.0 out of 5 (59 out of 100) in the Buckingham Intelligence Revenue-Based and Working Capital Finance Index 2026 and ranks 3 of 12. It is strongest for US companies with 12 months' trading wanting a line of credit next to a business account, with 5 out of 5 for published eligibility and limits and speed. Not published or not stated on the pages read: regulatory standing.
Scores from the Revenue-Based and Working Capital Finance Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For online and retail brands | 60 | 3 of 12 |
| For software and subscription firms | 56 | 3 of 12 |
| For small businesses and merchants | 60 | 4 of 12 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
US companies with 12 months' trading wanting a line of credit next to a business account.
What Bluevine publishes on its own pages, read on 26 October 2026.
A US business banking provider offering lines of credit up to $250,000 issued by Celtic Bank, with term loans from lending partners. It publishes full eligibility rules, limits and funding times and a California licence number. Its only rate is for top applicants, early payoff does not reduce interest owed and the owner stands as guarantor.
| Fact | What the provider publishes |
|---|---|
| Products | Line of credit issued by Celtic Bank; "Term loans up to $500,000" from lending partners; business checking and debit card. |
| Pricing | "interest rates as low as 7.8% for top qualifying customers"; "no maintenance fees"; "Additional fees apply". |
| Eligibility | "$10,000 in monthly revenue"; "625+ personal FICO credit score"; "In business for 12+ months"; corporation or LLC; Nevada, North Dakota, South Dakota and US territories excluded. |
| Limits and speed | "Lines of Credit ranging from $1,000 to $250,000 with weekly or monthly repayment plans"; draws "in as fast as 24 hours". |
| Borrower terms | No fee for "draw prepayment or early payoff", but "Prepayment of the loan does not result in any reduction of the total interest owed." On default, reporting "in your role as guarantor". |
| Regulatory standing | "The Bluevine Line of Credit is issued by Celtic Bank"; "California Financing Law-License No. 6054789"; "a financial technology company, not a bank". No security certification stated. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: bluevine.com/business, bluevine.com/business-loans/line-of-credit, support.bluevine.com/s/article/….
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Revenue-Based and Working Capital Finance Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Clearco | 3.4 | 1 of 12 | US online brands with over $100,000 monthly revenue wanting clear borrower terms |
| iwoca | 3.1 | 2 of 12 | UK limited companies wanting a representative APR and money within hours |
| Liberis | 2.9 | 4 of 12 | UK merchants wanting a published representative cost and a range of advance sizes |
| Wayflyer | 2.6 | 5 of 12 | Online and retail brands in 11 countries wanting a single fixed fee |
| Stripe Capital | 2.5 | 6 of 12 | Businesses already processing payments on Stripe in six countries |
| Lighter Capital | 2.2 | 7 of 12 | Software and technology firms in the US, Canada and Australia with $200,000 or more recurring revenue |
| Founderpath | 2.1 | 8 of 12 | Software firms with $1m to $3m recurring revenue wanting money within a day |
| Funding Societies | 1.9 | 9 of 12 | Small firms in Singapore and South East Asia wanting a range of unsecured loans |
| Capchase | 1.9 | 10 of 12 | Software and subscription firms wanting a revolving limit tied to recurring revenue |
| Fundbox | 1.4 | 11 of 12 | Platforms and small businesses in four countries wanting the widest product range |
| Shopify Capital | 1.1 | 12 of 12 | Shopify merchants in nine countries |
Full Revenue-Based and Working Capital Finance Index ranking
Side by side on every criterion, fact and award.
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