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Bluevine vs. Fundbox: Which is better?

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

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Dhara Singh

Edited by

Holly Jennings

Updated

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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 7.8%Not stated
FeesNo fees for opening, prepayment or account closureNo origination, opening or prepayment fees
Loan amounts$5,000 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
  • $30,000 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: 4.5
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
Read review
Read review

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 $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.

1 - 6 of 6
Updated regularly
Product Finder Score Min. Amount Max. Amount APR Requirements
Finder score
9.5 Excellent
$5,000
$20,000,000
Varies by lender
Minimum credit score of 580, minimum annual revenue of $120,000, preferably one to two years in business
Compare lending options and get funded fast.
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Finder score
8.6 Great
$2,500
$5,000,000
Varies by lender
$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.
Go to siteMore info
Finder score
8.9 Great
$5,000
$5,000,000
Varies by lender
Depends on the lender
Apply in minutes. Get funded fast.
Go to site
Lendio business loans
Lendio logo
Finder score
9.6 Excellent
$1,000
$5,000,000
Varies by lender
Operate business in US for 6 months or more, have a business bank account, minimum 580 personal credit score, at least $8,000 in monthly revenue.
Submit one simple application to potentially get offers from a network of over 75 legit business lenders.
Go to siteMore info
Advance Funds Network
Advance Funds Network logo
Finder score
Not scored yet
$25,000
$2,500,000
Varies by lender
6 months in business, at least $10,000 in monthly revenue
A range of funding options for your business
Go to site
BHG business loans
BHG Financial logo
Finder score
8.7 Great
$20,000
$500,000
Starting at 8.69%
660+ credit score, no bankruptcies in the past year
Flexible financing for licensed professionals.
Go to siteMore info
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What is the Finder Score?

The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.

Read the full Finder Score breakdown

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.

Holly Jennings's headshot
To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
Dhara Singh's headshot
Written by

Writer

Dhara Singh was 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. See full bio

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