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BlueVine Review

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Reviews 7,079

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Caroline Banton
Caroline Benton
Aug. 04, 20224 min read

BlueVine summary

BlueVine provides fast financing solutions for small businesses in need of working capital. With flexible loan amounts up to $250,000, the company is a viable alternative to traditional lenders. Fewer fees, short terms, and automatic payment options make BlueVine an accessible choice for many small businesses.

Pros

  • Quick online application process
  • Pay only for what you use

Cons

  • Six-month or 12-month repayment terms for lines of credit
  • ACH transfers are free, but wire transfers incur an extra fee
BlueVineat a glance
4.4

Editorial score

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender but limited hours

3.0

Variety of loan types

Offers most loan types

4.0

Loan amount range

Loan amount $500K+

5.0

Eligibility

Loans available to most credit types, revenue levels, and businesses

5.0

BlueVine BlueVine Visit Site

Why Choose BlueVine?

BlueVine provides line of credit funding solutions to address common cash flow problems: 

BlueVine has the solution whether you need a short-term infusion of cash to cover expenses or peace of mind that you always have a funding reserve to draw on. 

The amount of credit you receive from BlueVine replenishes as you make payments, and you pay no fees during times when you have not drawn out any money. This flexibility means that you can always borrow as little or as much cash as you need and pay interest only on the amount borrowed.

BlueVine was founded in 2013 to help small businesses avoid cash flow problems.

BlueVine holds an A+ rating with the Better Business Bureau and is staffed by a team of knowledgeable executives and financial advisors. The company prides itself on fast funding and accessible services to help small businesses meet daily financial needs.

With no application, lockbox, maintenance fees, or prepayment penalties, BlueVine simplifies the funding process and makes it easier for businesses to grow. BlueVine frees you to run your business without worrying about large monthly payouts or unexpected funding shortages.

What BlueVine Offers

  • Five-minute online application
  • Funding in as little as 24 hours
  • Credit lines up to $250,000 for lines of credit 
  • Automatic repayments
  • No fees or maintenance costs on credit lines
  • Rates as low as 4.8%
  • Minimal qualification requirements

Loan Application

Since BlueVine provides working capital rather than term loans, it asks for much less information than banks. These lower requirements speed up the application process and make it easier to qualify even if your credit score prevents you from getting a bank loan. Basic requirements are different for each type of financing. 

Credit line applicants are required to:

  • Be in business for at least six months
  • Have a minimum credit score of 625
  • Bring in $10,000 per month in revenue

Opening an Account

The application asks for the following information:

  • Amount and type of desired credit line
  • Name
  • Phone number
  • Address and email address
  • Date of birth
  • Business name and type
  • Business contact information
  • Business address
  • Tax ID or Social Security number
  • Annual revenue

Applicants must also provide bank statements from the past three months or give BlueVine permission to view digital statements in your bank account on a “read only” basis.

What’s Unique About BlueVine?

As an alternative to banks and other institutions offering large loans with long-term commitments, BlueVine seeks to provide funding to companies seeking quick solutions to cash flow problems.and focuses on fulfilling the needs of small businesses. 

For easier money management, the services sync with popular accounting software, such as QuickBooks, Xero, and FreshBooks.

Flex Credit

The BlueVine credit line is a revolving structure of drawing and repaying funds. Flex Credit lines are typically approved for up to $250,000, but it is possible to request a custom quote for a higher amount. Unlike a merchant cash advance, your business does not need to accept credit card payments to be eligible for Flex Credit. 

Using the credit line is straightforward:

  • Draw what you need at any time using the dashboard
  • Payments are automatically deducted each week with applicable interest
  • Available credit replenishes with payment

No additional fees for maintenance are required, so if you haven’t borrowed any money, you don’t owe any extra payments. Automatic weekly deductions from your bank account help prevent missed payments and can increase your credit score. As long as there is enough money in your business account to cover your weekly obligation, you’ll never fall behind. And BlueVine now offers a 12-month business line of credit with monthly payments. 

BlueVine Restrictions

However, there are some restrictions to their credit lines. The company is unable to offer this type of financing in:

  • North Dakota
  • South Dakota.

Applying takes only five minutes and requires basic personal and business information common to alternative lending applications. Decisions usually occurs within 24 hours, and funds may be available the same day if you choose to pay the $15 fee for a wire transfer. Payment via ACH can arrive the next business day but may take up to three days.

To qualify for a line of credit, you need a minimum credit score of 625 for a line of credit. However, the company also looks at past business cash flows and the strength of your customer base when considering your application, so your credit score is not always the deciding factor.

Repayment Terms

Credit lines have a six or 12-month term with simple interest as low as 4.8%. The short terms make overall interest rates higher than those of traditional loans, but you are not stuck with a long-term commitment to a financial institution, nor do you have to worry about running out of money with payments still hanging over your head.

Payment on the money drawn from a credit line occurs automatically from your bank account every week. 

Security of the Site

A GeoTrust certificate offers security for the entire website, and the company uses secure sockets layer encryption to protect any personal information you submit. Sensitive data is stored in secure databases. Information is only accessed and shared as necessary to provide services. Financial transactions are protected by the companies BlueVine works with when handling advances and payments.

Help & Support Availability

The FAQ page covers most questions concerning credit lines, the minimum and maximum amount of credit a company can request, and how payments are handled. However, some information is not so readily available, and you may have to contact BlueVine for more details to determine which financing option is right for you.

The financial advisors can be reached from 7:00 am to 4:30 pm PT Monday through Friday. Phone support is available whether you are considering applying for financing or are already using one of their services.

BlueVine BlueVine Visit Site

Summary

BlueVine provides fast financing solutions for small businesses in need of working capital. With flexible credit lines ranging up to $250,000, the company is a viable alternative to traditional lenders.

A simple application and 24-hour decisions allows businesses to obtain funding when and how it is needed and bypass the lengthy and complex conventional loan application process of most bank loans. Fewer fees, short terms, and automatic payment options make BlueVine an accessible choice for many small businesses.

Physical Address

BlueVine Capital, Inc.

401 Warren St. Fl. Suite 300

Redwood City, CA 94063-1578

Caroline Banton
Written byCaroline Benton

Caroline Banton is a freelance writer of business and finance articles that have been featured in The Huffington Post, The Motley Fool, Time, MSN, PYMNTS.com, GOBankingrates.com, SaleMove, and MyBankTracker.com. Before becoming a writer, Caroline had over fourteen years of experience working at the World Bank. Caroline has an MBA from Johns Hopkins University. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

BlueVine
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ExcellentReviews 7,079
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Excellent
81%
Great
4%
Average
2%
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2%
Bad
11%
  • author
    Ryan Higgins
    Nov 23, 2022
    Mitchell at Bluevine was very helpful…

    Mitchell at Bluevine was very helpful and quick with communication. Our funding was approved swiftly. “Funding secured”. The app is very easy to use as well. This is our second round of funding with Bluevine - our first in 2019.

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  • author
    Lloyd Veluya
    Nov 23, 2022
    My account is frozen

    My account is frozen. Terrible customer service. I will complain to Office of the Comptroller of the Currency occ.treas.gov if my account is not unfrozen in a timely manner.

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  • author
    Jesse Clark
    Nov 22, 2022
    I signed up for Blueline business…

    I signed up for Blueline business checking and deposited a measly $35 bucks to open the account. I got the blue debit card in the mail last night and activated it. This morning at 4 AM I got an email saying that my account is suspended and to contact support. I called and the agent says there are no notes on the account as to why it is suspended. He told me that he has to have the escalations team look at it and that it could take two days to hear back from them lol Skip this fintech. This is a horrible experience already with just $35 in the account.

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  • author
    Earl S
    Nov 22, 2022
    Very quick

    Very quick, easy process

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  • author
    Ryan Conley
    Nov 14, 2022
    Lexie is great! 🥇

    Lexie is great - very friendly and knowledgeable on the BlueVine product suite. Glad I was able to have her navigate the process.

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  • author
    Jayson Collier
    Nov 13, 2022
    Easiest lending experience I've ever…

    Easiest lending experience I've ever had. Started us off with a modest credit line and quickly increased it with responsible management. Reasonable cost of capital when you compare it to the time that would otherwise be spent haggling with traditional banks...often to just receive a long, slow, drawn out...no!

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  • author
    Ian Jordan
    Nov 10, 2022
    Shane and Mitchell

    So pleased with the team who assisted us throughout the application process, special mentioned to Shane and Mitchell. You are becoming great foundations to our small business as we move forward with our business expansions.

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  • author
    Robert
    Nov 10, 2022
    Will freeze your account and not let you withdraw

    I have been a customer for a couple years now and am closing out my account. Bluevine thinks it is okay to suspend your business checking account and freezing all of the businesses money over not having a phone bill to provide them. As a small business this is completely unacceptable and could potentially cause financial issues within the company. The customer service is horrendous and their own employees have no way to contact "the back office". Sham of bank. Think twice before using them, in fact, dont at all.

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  • author
    Heather Bodenhamer
    Nov 10, 2022
    Awful- avoid at all cost- go to a real bank

    Awful, every single aspect. I opened a BlueVine account for my small business so I have a couple thousands of dollars coming in and out. My first transfer was reversed after waiting days for it to go through. Apparently they switched from Bancorp to costal something and that’s why the reverse happened but then I had to wait again for the money to be transferred. I then issued an ACH transfer November 1 and was notified it was completed on November 2. The recipient kept letting me know the money wasn’t received and I was twiddling my thumbs for 7 days just to be told on November 9th the money was sent back because the account couldn’t be found. The account number and everything was correct and I’ve sent money before with my personal bank account. When I received notification that my transfer was sent back I was already 4 days late and my fee is $200 a day when late $800 in the hole because BlueVine can’t do a transfer properly. Yesterday I sent a same day wire transfer to save myself more late fees and paid $15 that I had to pay a $5 fee to even put in my account at a 711. This morning I get an email it will be processed 11/14… I’m done. Avoid this fake bank at all cost if you have a business to run and deadlines to hit. I’m in the hole $1005 for money I already had because of this bank’s inability to operate properly.

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  • author
    EBryant
    Nov 07, 2022
    Bluevine Capital not trustworthy

    In my opinion, this company is a predatory lender. I received my credit line and after using it for a few weeks and never being late with a payment, they suspend your account until you link your bank account to them for review. I have been in business for 35 years and have had many credit lines over the years. By far I would never ever trust this company and I highly recommend to seek other sources of credit.

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  • author
    Rashaude Jones
    Nov 07, 2022
    I swear this bank have had me in a jam…

    I swear this bank have had me in a jam to many times as like now. It’s take them all night to release your money one you deposit it. And that caused me to loose a lot. So I think I’m just going to find another bank.

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  • author
    Severin Jamez
    Nov 04, 2022
    Absolutely horrible experience it was…

    Absolutely horrible experience it was even suggested by their customer service rep when I was having issues with my account the rep just said why don't you just go ahead and close your account because clearly you can't figure out how to use it properly, wow amazing to me how customer service has changed in 30 years so no such thing anymore stay far away from this company especially if you're a little bit older generation like I am

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  • author
    Andrew Adamian
    Nov 03, 2022
    There is no link to unsubscribe

    Bluevine website has no link for the recipient to unsubscribe. I closed my account several months ago and I keep getting emails which are of no use for me. Since I can't unsubscribe I will just direct future communications from Bluevine to my spam folder.

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  • author
    Philip Tuan
    Nov 02, 2022
    Not clear on the interest rate

    Not clear on the interest rate. Payment drew from account not reflect to the balance for days.

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  • author
    Sara
    Nov 01, 2022
    DON'T BELIEVE THE HYPE!!!

    Save yourself time and your credit rating and go anywhere else! After doing my research as a small business owner I thought that the interest rate and online availability were worth trying them...They are the ONLY things that worked! I have been with BlueVine for ~4 months and literally every few weeks there is an issue that is impeding my ability to operate my company and is negatively affecting my credit! For example - Bill Pay did NOT send out a payment that had been sent input to the same vendor despite there being plenty of $ in my account. Only after I was notified that I had incurred a late payment fee did I learn that "it just didn't go out." REALLY?!? Customer Service Reps. do nothing but read scripts! They do not think for themselves and you always need to go to a Supervisor to get anything done! I work too hard and do not have 1/2 hour to call on issues every other week for things that should just not be! It seems like they have very young and inexperienced people answering the phone who have done nothing else than interact with a screen...talking to people about real issues seems to be beyond their grasp. Not to be mean but I literally have spent 40 minutes verifying my ID with someone to have them not be able to make the mental leap of something that is not on the company text. Not fault of their own, but that unfortunately seems to be where society's headed. If you prefer to hand on to real client service from a bank that can think and God forbid, anticipate issues; I respectively suggest taking your hard earned money to a more established, customer oriented establishment. BlueVine is still BETA.

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  • author
    Larry H.
    Nov 01, 2022
    They were very easy to work with and…

    They were very easy to work with and got back with an answer very quickly.

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  • author
    Mov Paddy
    Oct 27, 2022
    Amazing company and I highly recommend.

    Amazing company and I highly recommend.

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  • author
    Janet Mandell
    Oct 27, 2022
    Horrible Service and Communication

    Horrible communication! They are the worst financial company be warned. They will shut your account down if you source more funding with other lenders. I find that absolutely awful. No one is going to agree to signing up funding with just one company especially with a start up. I would never work with them. Was total Shock to me when I received the email.

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  • author
    Austin Berry
    Oct 27, 2022
    What a joke of a “online bank”

    What a joke of a “online bank” it takes 7 days to get a new card and card number if card is lost. ATM ate my card. I can’t wait 7 days. Like your an online bank. Wells Fargo auto upload a card to your Apple Pay. What was I thinking using this bank for my business.

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  • author
    Connect Holdings LLC
    Oct 26, 2022
    Thanks Lexie and Bluevine!

    Our Rep, Lexie Montalto, is amazing! We were approved for a business line of credit and she was there immediately after approval to answer all questions and guide us along. She made sure we understood everything in detail and walked us through our first transaction. It's clear Bluevine is a great company to work with and we look forward to working with them more! Thanks!

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  • author
    Billal
    Oct 26, 2022
    Angie is the best

    Angie is so nice and easy to work with I feel Like she is my family! Thank you for helping my business as we grow!

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  • author
    Visionary Women’s Health
    Oct 23, 2022
    Too many suspensions of credit

    We are pleased with the availability and speed of credit once issued, but they keep locking our account after "reviewing our bank balance". For starters I am a bit uncomfortable with them peering into our bank account unsolicited, and it makes no sense since we are sitting with tens of thousands in the account. Our AR comes in irregular waves, so we dip low, then shoot up when payments arrive. It is frustrating to have to constantly check in with them to explain the situation. They should have been aware of the flow of our income from the get-go, so this is a bit frustrating.

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  • author
    Eli Di Giammargo
    Oct 21, 2022
    Lexie is fantastic always respond my…

    Lexie is fantastic always respond my questions and also she always kept me updated on the entire process! I really recommend her

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  • author
    kesiena idahosa
    Oct 21, 2022
    Was a great experience with the…

    Was a great experience with the company, had an excellent response from Mitchell sapoff with bluevine, would highly recommend the company to other business clients.

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  • author
    Intesar
    Oct 20, 2022
    Great vision

    Great vision, great price!

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  • author
    Liz Fronk
    Oct 18, 2022
    Louis Garcia was awesome!!

    Louis Garcia was very helpful in finding the right fit of a line of credit for our business. He was prompt and knowledgable of answering all of our questions. He made our application process easy.

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  • author
    Christian Nwoye
    Oct 16, 2022
    l was a bit disappointment at the…

    l was a bit disappointment at the decision not to give me additional credit line increase. The first time l asked for an increase after other vendors solicited my interest, your rep specifically asked that l made at least six payments. l made about 6-7 and got approved for additional $10K. Now, after l made 16 payments, l came back with a request thinking along the same line of the initial advice. l could not even secure a fraction of what l request as a consolation but instead, it is like l committed a crime approaching a "supposedly" business partner that has my business interest at heart. l was not only reject but l got a ban not to attempt to make a request for the next 26 months. "How nicer could that have been" and now you want me to provide your company and your reps who participated in that obnoxiously nastily toned decision letter cookies for the efforts? Wao! l will not do that because l was insulted and despised!

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  • author
    John Carter
    Oct 15, 2022
    Excellent Financial company

    For those of you who are looking for a quick financing loan. I truly would recommend Bluevine as your lender. They're prompt, and courteous and will keep you in the loop on every step of your loan process.

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  • author
    Lonnie
    Oct 14, 2022
    Lexie was easy to deal with and…

    Lexie was easy to deal with and answered all my questions.

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  • author
    Zheng Yang
    Oct 14, 2022
    Fast and Clear.

    Glad of working with Mitch S from Bluevine. He is very responsive and professional. The whole process is very fast and clear.

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  • author
    Andy Tunatin
    Oct 14, 2022
    Easier Than a Vegas Wedding

    We were referred to Bluevine via Intuit and with three easy steps (3 bank statements, Application, and tax return) and about 30 minutes we were approved for a line of credit. Angie H called us from Baltimore MD. After lamenting the weather, and the state of the NFL's roughing the passer rules, she got down to explaining the draw process. That took about three minutes of our lives. If you have around 40 minutes of free time then this may be the best way to spend that time resource if you are looking for an easy to open, easy to manage and best of all competitively priced line of credit. I say call today... or call me if you are bored and want to discuss football, or hockey, or the weather.

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  • author
    Christopher Yates
    Oct 13, 2022
    I had an excellent conversation with Biz Development Officer, Daniel Trepel

    I had an excellent initial interview with Daniel Trepel, Business Development for Partnerships. Blue Vine does not just sign up anyone. They have excellent reviews and Daniel spent the time necessary to get to know the types of clients I originate for their wonderful small business line of credit. Daniel, great job and look forward being a special partner for Blue Vine. Christopher Yates, CEO US Trust Business Loans and Alternative Capital Funding

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  • author
    Katie A
    Oct 11, 2022
    Mitch S was very helpful

    Mitch S. was incredibly helpful as our company applied for a line of credit. He was prompt in responding, helpful when we had any questions, and provided very helpful instructions.

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  • author
    Dr. Thomas
    Oct 11, 2022
    Absolute horrible customer service

    Absolute horrible customer service. I have benign business for 14 years, have strong cash flow and a credit score above 800. I have numerous auto loans financed through the business and have not needed to cosign for anything in years. Yet Bluevine denied me based on inability to verify identity through their "electronic checks and balances." No call, no explanation...Don't waste your time with this loan shark

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  • author
    Doug Charles
    Oct 07, 2022
    Angie was extremely informative and…

    Angie was extremely informative and experienced. Excellent experience

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  • author
    Trevor
    Oct 07, 2022
    Denied

    I applied for an account and the whole process was very straightforward. I uploaded all of the documents requested but because I submitted one incorrectly, they denied my application do to "difficulty in the application process." I have an excellent credit score and there's zero reason to deny my application. I was told to "reapply." No thanks.

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  • author
    Marisela Torres
    Oct 06, 2022
    Great experience

    Angie walked me through the entire process and explained everything thoroughly. She was available to answer any questions.

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  • author
    LMH
    Oct 03, 2022
    The application and approval process…

    The application and approval process was fast and easy. Daniel, my Fund Advisor contacted me immediately to explain options and guided me through the Dashboard.

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  • author
    Heather Sherwin
    Oct 03, 2022
    Mobile check deposit didn’t …

    Mobile check deposit didn’t consistently work. Their response was basically “Dunno why and our system won’t tell us.” Since checks have to be endorsed specifically to them, that means I have to eat the time and cost to get checks reissued. I’d say they’ve been fine with direct deposit payments, but if you intend to deposit checks, pick a better company.

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  • author
    Mary Beth Dixon
    Oct 03, 2022
    Mitch Sapoff was very helpful…

    Mitch Sapoff was very helpful throughout the experience. He explained fees, payment schedules, and the process simply and accurately. I found the whole experience quick and effective. We received cash within days of application. I would recommend to other start ups and small businesses.

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  • author
    McDonald Equity Investing LLC
    Oct 03, 2022
    Great company and service

    Great company and service! Will continue to do business with them! Definitely going to grow my business with Bluevine!

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  • author
    Charles
    Oct 02, 2022
    Business Checking

    I've been using BlueVine business checking for my company for about 3 weeks now and don't have any major complaints. I ordered checks and they showed up in about a week. Everything has worked out OK so far with the website and mobile app: transfers, mobile deposits, using the debit card, writing checks and linking to my personal account. My only gripe is mobile deposits are limited to $50,000 per month so now I need a second bank. I requested an increase on the limit and their reply was basically "maybe in the future"

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  • author
    Harvey S.
    Sep 30, 2022
    Incredible experience

    Incredible experience. This company is 5 stars and had me approved for a substantial number within 24hrs.

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  • author
    RICK HARRIS
    Sep 30, 2022
    Really happy doing business with…

    Really happy doing business with blueVine. The line of credit that they provided for me really has helped out my business a lot. I would recommend blueVine to all my business associates and clients.

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  • author
    David Ultis
    Sep 29, 2022
    Read the fine..finer..finest print.

    Went through an application process for a business line of credit. Days after they directed me to take a minimum deposit they put the new account on hold and haven't answered any calls or emails back. Seems like they tempt you with postiive terms, but then use the flexible terms in their agreement to freeze you into a payment without extending the actual credit that they agreed to.

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  • author
    Ryan Garrido
    Sep 27, 2022
    DISGUSTING TERRIBLE COMPANY- RUN AWAY FROM BLUEVINE FAST!!!

    ************************************************************* TERRIBLE COMPANY DO NOT WORK WITH THEM- WILL TAKE YOUR MONEY AND NOT GIVE IT BACK WILL NOT OFFER CREDIT TERMS EVEN WHEN YOU PAY PERFECTLY - WILL STATE THAT YOU ARE STACKING EVEN WHEN YOU ARE NOT- RUN AWAY FAST!!!!!!!!! ***************************************************************** "This is the response I got from the agent- Copy and Pasted with no actual details to help the customer- Hello Ryan, After an in depth review, our underwriters have placed your account on hold for stacking. Stacking is when clients have taken out too much additional leverage with other lenders. BlueVine is a more conservative company and we want to ensure you are able to meet all of your financial obligations. We can review the account again within four weeks when the business debt is reduced or if you can provide a Zero Balance Letter. Also, when reviewing updated bank information they did see the expenses being paid out have been higher than the revenue coming into the account, leaving no room to add the additional debt obligation that would come from taking another draw. Thank you, There isn't any explanation of what trade lines might be triggering this- I haven't taken out any additional trade lines since working with Blue vine- I told the previous agent- They said a review was done by email- then I called and they told me that the review wasn't done- My experience has been subpar at best- Especially when I paid on time every payment- and you still treat me like a high risk- when you got 2K on an 8K loan and I paid it back perfectly- and always pay back perfectly- I would give a 0 if I could- I will also be leaving a 1 star Trustpilot review to let others know of my experience- Have a great day-

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  • author
    Larry E
    Sep 23, 2022
    Mitchell S - promises kept !

    Mitchell S explained the program in a professional and informative manor and the funds were available as promised within 24 hours.

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  • author
    Maria
    Sep 22, 2022
    Lending Process was Exceptional

    The process for a business line of credit is exceptional. We have worked with other banks and their lending application processes do not compare. We applied for a line of credit through Bluevine's website and received feedback within an hour. Within minutes of that approval, Mitchell Sapoff reached out to answer questions and offer his assistance. Mitchell is tenacious with his follow-up and he is methodical in moving the lending process forward. Bluevine has made our customer experience exceptional and has kept it simple; it is refreshing.

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  • author
    Blake Finley
    Sep 22, 2022
    More mobile app and website bugs than you can count

    Terrible platform with more bugs than you can count, been trying to do something as simple as deposit a check for weeks and their highest level of support is just stuck in a loop with no solutions. Would highly recommend staying far away, we wish we had. Now we're stuck with checks with "For mobile deposit at Bluevine only" written on them and no way to cash them at Bluevine or any other bank.

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  • author
    Charles McHugh
    Sep 21, 2022
    Absurdly bad customer service

    Absurdly bad customer service. The customer service Representatives have little to no information. All I can do is tell you information you already see on the app. There's no reason to call them. It takes over 2 weeks for them to issue a cashier's check through the app requesting process. They have accidentally canceled check requests through no fault of my own. They have misinformed me on several occasions. Generally awful experience all around. Took over 6 months for them to start clearing checks in 48 hours or less. They've hurt my small business.

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  • author
    Ira King
    Sep 21, 2022
    Daniel Farrell gave great Service and…

    Daniel Farrell gave great Service and really helped us get started with our Blue Vine new loan

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  • author
    LCA
    Sep 21, 2022
    Quick Process and Excellent Customer Service

    Louis Garcia was really helpful and did a great job explaining how the credit line worked. Thank you so much for the help and for the quick turnaround process.

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  • author
    Shawn McEwen
    Sep 16, 2022
    Very happy with Bluevine and its…

    Very happy with Bluevine and its employees. Great company to work with for business needs.

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  • author
    Michael Shaug
    Sep 14, 2022
    Fast & Easy

    The process was super easy to execute. Very happy with the service I received from Mitchell Sapoff. If you need capital for your business definitely look at Blue Vine.

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  • author
    Beck Vissat
    Sep 09, 2022
    Mitch S was an absolute pleasure to…

    Mitch S was an absolute pleasure to work with! I highly recommend him to anyone who's in need of financing. He was transparent and told it like it is with no games or beating around the bush. 5 stars for sure.

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  • author
    Brian C
    Sep 08, 2022
    Great experience

    Luis was very helpful and informative in providing me details with options for a business line of credit. Great service. Thank you, Brian C.

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  • author
    Reginald
    Sep 07, 2022
    Great Company

    The full experience with Bluevine has been filled with ease. From the initial application process to withdrawing funds has been seamless.

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  • author
    Meg
    Sep 06, 2022
    Small business owners beware

    As the one person owner of a small business, I chose Bluevine because it was simple, easy to use, and a seemingly great option for a business just starting out. After several months of no issues, I checked my bank account to see that Bluevine had authorized 6 highly unusual foreign withdrawals from my account and had not called or flagged them as potential fraud! I caught them within 24 hours and frantically searched for their fraud line. Their fraud center isn't linked to Bluevine and was nearly impossible to find. After finally getting them on the phone and submitting a claim, they only refunded half of the fraudulent amount (about $2k lost and only $1200 refunded). Unlike other banks that would refund the money within a week, they have a 90 day refund policy which means I've had to check in with them multiple times because they are only refunding partial amounts. I have a very bad feeling this might be a common thing with this "bank." I would highly suggest you start an account with a real bank and stay away from this operation. Too slick for its own good. **EDIT** As I looked for other reviews like my own, I noticed that the majority of the 5 star reviews are robotic and are likely fake; they mostly follow the same formula of "My advisor/representative/helper X was super helpful! Love this company"; this is honestly kind of freaky...

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  • author
    Erica Davis
    Sep 03, 2022
    This was a pretty quick and simple…

    This was a pretty quick and simple process. Louis Garcia was very helpful and clear on what they could and could not offer. I also appreciate that I have the opportunity to grow my line with Bluevine.

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  • author
    Jason Hunsaker
    Sep 02, 2022
    Best business bank ever!!

    This bank has been very helpful in setting up my accounts with Xero. Also they do not charge any fees and pay interest!! How awesome is that? Love this bank for business.

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  • author
    Amar
    Sep 01, 2022
    Mitchell did a great job!

    Mitchell did a great job!

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  • author
    Connor Lamorie
    Aug 31, 2022
    If I could do 0 stars I would

    If I could do 0 stars I would. I opened a business checking with them, didn’t receive my debt card EVER after months of it being opened and after multiple requests to send it and after reaching out to customer service a number of times. They ended up closing my account without my authorization so the decision to move on from them was made for me it looks like. Highly, highly do not recommend wasting your time and effort.

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  • author
    Sophia Armstead
    Aug 30, 2022
    Bluevine is the best

    Bluevine is the best. Helpful and quick

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  • author
    Kathleen Dean
    Aug 30, 2022
    Nicholas Bond

    Thanks to Nick Bond for making the app and approval process fast and easy. Funds were deposited quickly.

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  • author
    Jonathan Grimes
    Aug 29, 2022
    Excellent Experience

    I had a great experience with Nick Gallis he was very professional and answered all of my questions. This was a seamless process and funds were available quickly. Great experience!

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  • author
    William Harden
    Aug 24, 2022
    Impressed with Company!

    Daniel, was great to work with. He was prompt, knowledgeable, and friendly. I definitely recommend Daniel and Bluevine as a whole.

    ...

  • author
    John
    Aug 23, 2022
    Incredible experience

    Incredible experience. The entire process took less than a day. Mitchell was amazing every step of the way. Wow!

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  • author
    Donald
    Aug 20, 2022
    Your process is simple and fast!

    Your process is simple and fast!! I enjoy working with you.

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  • author
    Joseph Marhamati
    Aug 19, 2022
    Mitchell was incredibly helpful

    Mitchell was incredibly helpful, responsive, knowledgeable and kind in guiding us through our first experience with Bluevine. I can't recommend him enough to others who are looking to get started with the service.

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  • author
    David Murray
    Aug 16, 2022
    Oh my goodness Angie Hauser Was the…

    Oh my goodness Angie Hauser Was the best. She made the process so easy. I would recommend her and Bluevine to any of my business friends!

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  • author
    Larry Thomas
    Aug 16, 2022
    Terrible timelines for established account holders

    Bluevine has not got a system that is compatible with our outside funding source. They do not communicate via Plaid and we had to upload bank statements. All this is no problem but when we need funding quickly they take some time to get the process updated. I guess we don’t need to do business for 3 to 5 days while they update our account. I am sure we are going to seek a new funding source

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  • author
    JB
    Aug 13, 2022
    Best Advisor - Angie

    Angie my advisor, was great throughout the entire process. It was a pleasure working with her, as she made the process of getting my LOC up and running without any headaches whatsoever. I would definitely recommend working with Blue Vine. Thanks again to Angie and all of her expertise.

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  • author
    NML L
    Aug 12, 2022
    They can suddenly close your account…

    They can suddenly close your account without any notice and explanation. That is terrible! I have never seen any bank doing business this way. It is not the bank you can trust. Well, Bluevine is not the bank at all. You don't know if they will close themself suddenly someday. Don't use it.

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  • author
    theresa borgesano
    Aug 10, 2022
    Nick Gallis was very friendly and easy…

    Nick Gallis was very friendly and easy to work with. He made me feel confident I was working with a knowledgeable individual who walked me through the VERY simple process of obtaining a line of credit. Awesome experience! Thanks😃

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  • author
    American
    Aug 08, 2022
    GIVE ANGIE HAUSER A RAISE ASAP

    Give Angie a raise. Phenomenal customer service and super easy to work with!

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  • author
    Chester T. Rinaudo
    Aug 06, 2022
    Nick Gallis

    Nick Gallis, GREAT TO WORK WITH, HE MADE EVERYTHING QUICK & E-Z

    ...

  • author
    Bill Brundige
    Aug 05, 2022
    Dan the Man

    Dan had been great to work with and the process was quick, easy and efficient. As an aspiring Entrepenuer, I highly recommend if you’re looking to solve the problem of “cash flow”.

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  • author
    Blake Finley
    Aug 15, 2022
    Very poor business

    Opened a new account, set it all up, transferred our businesses funds over from the old account. Then a few days later they locked our account because they needed more paperwork. Simple things like a utility bill and EIN letter. They should either ask for these when you apply or give you a period of time to submit them. Not approve the account, let you give them all your money, and then lock you out until you upload information and then have to wait for them to review it until you're able to use your funds or pay vendors. Very poor way to do business. Update: After hours of being stuck in a pointless loop with their email and phone reps, I asked to speak with a manager who was able to use a little bit of common sense and resolve the issue extremely quickly. This company's product isn't bad, but their tier 1 support is much more likely to give you wrong information than correct information, save yourself some time and ask for a manager before wasting hours.

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  • author
    Stephen Weiss
    Aug 03, 2022
    Account set-up

    My rep, Louis Garcia, was extremely helpful and made setting up the account easy and stress free

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  • author
    Josh
    Aug 11, 2022
    BlueVine will take money from your…

    BlueVine will take money from your account, claim it was a "duplicate check", force you to get bank information from your clients and then drag you through 2 months of calls and emails before they completely ignore you, the BBB and never return your money. BlueVine is an absolutely horrible bank to deal with and I implore everyone to stay as far away from them as possible if you are starting a small business. Even after you provide them a letter from your clients bank stating it is not a duplicate check, BlueVine turns into a ghost and disappears with your money. Mind you, I have only had an account for 4 months and half of the time has been dealing with this issue. Most of the 5 stars are paid, because they state the transactions are fast, they are not. It takes 4-6 days from deposits or withdrawals. UPDATE: 8/11/22 BlueVine has finally released funds back to my account after filing BBB complaint, leaving a complaint on Trust Pilot, review on their FB and the threat of Consumer Affairs complaint. It took over 2 months to resolve a fake issue that never existed. They will only take you seriously if they feel they are being exposed. BlueVine has still not provided any proof or documentation of their original claim. They then told me they called Fifth Third to confirm my rebuttal. AFTER 2 MONTHS!!! They drug me through the mud harassing my own client for their account information, when they could have simply made a phone call and solved this whole issue in 5 minutes. This company is absolute garbage and does not care about its customer, only stealing from them expecting them not to push back. BlueVine reached out to me on Trust Pilot for information, BUT NEVER RESPONDED! If you are a small business and care about your clients and revenue, DO NOT bank with BlueVine! If this is how they conduct themselves then stay away. Shady company

    ...

  • author
    Jakarone
    Aug 01, 2022
    Ghhjj

    Jjhhghjjjkii

    ...

  • author
    Genesis
    Aug 01, 2022
    If I could give a '0'

    If I could give a '0', I would! I joined in June and have yet to be able to deposit funds. I've sent screenshots, emailed support. Zero, zilch, Nada! Today? A substantial wire transfer and their MFA was a joke and I got locked out of my account with no assistance capabilities from support to be able to renew the token to get back into my account to conduct business.

    ...

  • author
    Nicholas Nassiff
    Jul 29, 2022
    I had a short term capital need to…

    I had a short term capital need to bridge my growing business. Angie came to the rescue and provided amazing customer service, attentiveness and transparency. Angie sealed the deal for me.

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  • author
    Retha Bryant
    Jul 27, 2022
    BLUEVINE CLOSE MY ACCOUNT IN THE MIDDLE OF A ACH

    I HAVE HAD A ACCOUNT WITH BLUEVINE SINCE 11/2..TODAY I WAS SUPPOSE TO GET A DIRECT DEPOSIT FROM IRS AND THEY JUST SHUT MY ACCOUNT DOWN. THE MONEY I HAD IN THERE WAS FROZEN ALSO. THIS HAS CAUSED A MAJOR HARDSHIP NOT ONLY ON ME BUT MY BUSINESS AND MY FAMILY. I REALLY THINK THIS IS NOT A GOOD WAY TO DO BUSINESS. IF YOUR GONNA CLOSE A ACCOUNT AT LEAST GIVE THE COUERSTY THEY GET THE MONEY THAT I HAVE IN THERE OUT. I HEARD HORROR STORIES ABOUT BLUEVINE ON THE INTERNET AND SO MANY PEOPLE HAVE GONE THROUGH THE SAME EXACT THING

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  • author
    Janice
    Jul 27, 2022
    Very impressed with the prompt response…

    Very impressed with the prompt response and awesome customer service. Daniel was professional, patient and knowledgeable. It is a pleasure doing business with this company.

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  • author
    Nadine Molina Monico
    Jul 26, 2022
    Quick Response and Turnaround Time

    Angie helped with my funding. She responded very quickly and resolved and questions or issues quickly and efficiently.

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  • author
    Steve Tarnish
    Jul 26, 2022
    Simple

    Simple and easy process. Backed by a great bank, Coastal Community, that I use for my personal banking (One Finance).

    ...

  • author
    K & K
    Jul 21, 2022
    Daniel went about and above to get me…

    Daniel went about and above to get me approved. Very patient and was very helpful in explaining the business line of credit. Thank you Daniel!

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  • author
    Wendy Sanchez
    Jul 21, 2022
    Bluevine are thieves!

    I do not typically like to give reviews be it positive or negative but I have to share my ongoing experience with Bluevine. I have to say starting out all was well. I waited several months for them to start taking applications thats how much I wanterd to have an account with them and the application and account overall have not been an issue. This is until my phone was stolen along with my debit card and almost $18k drained from 3 bank accounts and 2 credit cards within less than 48 hours. I will tell you i never realized how much of our lives are on our cell phones until this took place and a lock on my phone which I protested before has become the only way of life which is so sad. Regardless facts are once I realized what had happened I immediately cut the phone, reported the issue to all the banks and cards hit by this fraud and filed a police report. I worked endlessly to pull together all the information I could as backup to assist all in this investigation and sent it all in to all effected. Because of so many charges multiple disputes were made (all effected but speaking of Bluevine now) All disputes got all the same investigated information equaling out to over 50 pages. Short story is Bluevine approved one of the disputes and denied 2 while some are still outstanding. They sent a letter on the 2 denials stating they had thoroughly invetigated the disputes and found no error occured DENIED while the other they approved all disputes having the same information, done on all the same days yet somehow they can approve one and deny 2, very odd. I asked them to send me the information they used to thoroughly investigate my claimes which of course I am expecting all my backup. Well one you can only email with someone in the fraud department so never can I actually have a one on one conversation, and it took over 2 weeks and multiple emails demanding the information before I got 3 pages of numbers with no relevance to my claim and none of the backup I sent was even mentioned. Someone please help me understand approval for one denial for 2 irrelevant papers to their thorough investigation and they just go silent and say this is final. Well its not final im still fighting for close to $7k but I wanted to ensure the public knew how they conduct themselves when their clients lives are turned upside down with no concern about them or their money. Shame on Bluevine for treating their clients as the thieves! If anything Bluevine is just as bad as the people who commited the fraud. NO HELP, NO CARE, NO SATISFACTION.

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  • author
    Mike Carlisle
    Jul 20, 2022
    Applying for a line of credit was…

    Applying for a line of credit was extremely simple and easy. Mr. Daniel Farrell was very understanding of the product my company was looking for and was helpful when we encountered a minor glitch at the beginning of the process.

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  • author
    Ken
    Jul 20, 2022
    Excellent service

    Excellent service. Painless application. Very pleased.

    ...

  • author
    quebolas oficial
    Jul 20, 2022
    Fast process, fair terms, great service.

    The whole process to obtain the business credit line was smooth. First I filled out a form and a few hours later I was on the phone with Daniel Ferrel who did a quick phone interview just to understand my business model and reason for the line of credit. He was very kind and helpful to answer all my questions. The next day the credit line was already approved to the amount required with very fair terms. I’m glad I was able to find Bluevine and Daniel. Will continue to use them for all future needs.

    ...

  • author
    Sergio Alejandro Parra
    Jul 19, 2022
    Angie made BlueVine be a great experience for me and I wouldn’t look elsewhere for any small business need

    Angie was great throughout the whole process. She was very clear and very detailed in explaining everything to me! I would love to keep working with her!

    ...

  • author
    Cheyan DuVal
    Jul 18, 2022
    Over $2k stolen in less than 2 months, has yet to be returned to me.

    Since June I've had over $2000 stolen out of my account, and Bluevine is dragging their feet on investigating the issue. June 2nd I had $1,250 stolen over the course of 8 transactions in varying amounts. Then again on 7/16 another $1,010.27 was stolen in the middle of the night. I've disputed everything, called multiple times to get updates, and try to move things along, but Bluevine is dragging their feet, and keeps dodging questions I have and my requests to speak to people in supervisor roles. I just want my $2,260.27 Back so I can close my account. This seems to be a security issue on their end. In 15+ years of banking, I've had one incident of fraud, which was resolved within a week. Two incidents of fraud with Bluevine in less than two months is absolutely unacceptable, and tells me they are incapable of keeping my money safe.

    ...

  • author
    George Blackstone
    Jul 18, 2022
    I worked with Angie from Bluevine

    I worked with Angie from Bluevine. I had inquired about a line of credit but did not necessarily need it. However, it can't ever hurt to have access to an additional line of credit. Angie walked me through the application process and helped me set up my login and dashboard, which was pretty straightforward. I highly recommend Bluevine to anyone looking for a loan or credit needs.

    ...

  • author
    Tina Hertzel
    Jul 17, 2022
    Process for Establishing our Line

    The process for establishing our Line of Credit was extremely easy. Mitch S was not only professional, knowledgeable and efficient his personality made the entire process enjoyable.

    ...

  • author
    Lee Rogers
    Jul 16, 2022
    Zero feedback for declines 🤔

    I read reviews online and decided to go with BlueVine as my business bank for 5 rental property LLCs that I have. Completing the application was easy, the web application is easy to use. Then. "Based on the information provided, we’re unable to open an account for you at this time." No other information, no feedback, no nothing, no second tries to correct any issues. Very odd experience since I went to Wells Fargo the next day, and opened 5 accounts. Not sure where BlueVine is going declining solid and successful banking customers.

    ...

  • author
    Jim C
    Jul 15, 2022
    This "bank" in untrustworthy

    So, I am about to be a former client of Bluevine Bank. Bank account services provided by Coastal Community Bank, Member FDIC. I deposit a check and get told the first time it might take 1 to 4 days to clear. Four is long, but OK, Maybe they need to establish a pattern for my deposits. I deposit a second check and now it will take SIX days according to their chat! We're in the age of everything instant and a bank wants to take SIX DAYS to clear a $250 check. Unbelievable. I called Coastal and they says it is not them doing the banking. Really? I beg to differ "Bank account services provided by Coastal Community Bank, Member FDIC." Either way, this is either a completely incompetent bank or fraudulent.

    ...

  • author
    Vi Corvin DarkerJudas
    Jul 14, 2022
    Baseline Checking

    Pretty bare bones checking and I've noticed they're slower than others I've been using for ACH transfers, for whatever reason. I mainly keep them around because my one sales platform where I have two accounts requires a different checking account for each of their accounts. Definitely looking to move my business elsewhere since they changed the requirements to earn interest on balances and not adding any new features which can be found in several of their competitors.

    ...

  • author
    Ceasar Munoz
    Jul 13, 2022
    This was my first time ever applying…

    This was my first time ever applying for a business line of credit and I have to say my experience was more than pleasurable and exceeded my expectations. Working with Lexie was fantastic to work with and made the process easy and convenient! I highly recommend Bluevine over any conventional Bank!

    ...

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