Bluevine vs Fundbox: Business Line of Credit Compared

Bluevine is the better fit for an LLC or corporation with 12+ months in business, at least $10,000 a month in revenue and a FICO score of 625+, that wants a line of up to $250,000 and may apply with an SSN or an ITIN. Fundbox fits businesses with a business checking account showing at least 3 months of activity that like each draw to be its own loan with its own term. If you don't meet either one's requirements, Merchant Fund Express, our recommended funder, reviews your sales and deposits and considers credit from FICO 500+.

In this comparison we explain how each line works, what each company publishes on its official site (checked October 20, 2026), how to compare cost without falling for marketing and which business profile comes out ahead with each. Where a company doesn't publish a detail, we don't make it up: we tell you to ask.

Bluevine vs Fundbox at a glance

This table summarizes what each company publishes on its official site today. Where a cell says "not published," ask before you hand over your information.

The core difference: Bluevine publishes clear, higher requirements and in exchange offers larger amounts and a published rate starting at 7.8% for its most qualified customers only. Fundbox publishes few requirements and shows you the exact cost of each draw before you accept it.

How the Bluevine line works

Bluevine's line is revolving credit: you're approved for a limit, you draw what you need from your dashboard and, as you repay, your available credit replenishes. Each draw goes through review and approval. Here is what it publishes:

• Amounts: lines up to $250,000, issued by Celtic Bank and serviced by Bluevine.
• Cost: rates starting at 7.8% for the most qualified customers and no maintenance fees. A low starting rate existing doesn't mean you'll get it; your offer depends on your profile.
• Payments: you're approved for a weekly or monthly plan, and payments are debited automatically.
• Speed: decisions in as little as five minutes and draws in your account in as little as 24 hours, or instantly if you use Bluevine's checking account.
• Business credit: it reports payments to Experian, which helps if you want to build business credit history.
• Ongoing verification: eligibility is reviewed monthly. If you don't connect your bank, you'll have to upload statements manually, which can delay draws.

One thing many owners miss: when you apply, Bluevine also considers you for loans and lines from its partner network. Read carefully who is behind each offer before you accept, because terms vary depending on who provides the funds.

How the Fundbox line works

Fundbox also offers a revolving line, with one important difference: each draw is treated as a separate loan with its own fixed payment schedule. It's not a single balance like a credit card. As you repay a draw, that credit frees up to use again. Here is what it publishes:

• Terms: you choose the term for each draw. Its FAQ mentions typical terms of 12, 24 or 52 weeks, and its product page mentions options of 3 to 24 months, noting that some terms are only available through partner platforms.
• Cost: it charges fees on each draw. Before accepting, you see the weekly fee and the total fees for the term. There is no origination fee.
• Early repayment: if you pay principal early, there's no penalty and the remaining weekly fees are waived.
• Published requirement: a business checking account with at least 3 months of activity, connected through Plaid.
• Credit: a soft pull when you apply; if approved, a hard pull on your first draw. It reports to the Small Business Financial Exchange (SBFE), which shares data with Experian, Equifax and Dun & Bradstreet.

Fundbox publishes very little about credit requirements, minimum revenue or maximum amounts. That doesn't mean it has none: its banks apply their own policies. You simply have to apply to learn your limit. If draws are new to you, read business line of credit draws explained.

How to compare cost without getting burned

Bluevine talks in rates; Fundbox talks in fees per draw. Those numbers aren't directly comparable, so do this:

1. Get a written offer from both. Applying doesn't affect your score at either one.
2. Compare the same draw over the same term. For example, the same amount over 6 months at each. Ask for the total cost of the draw and the APR if they'll give it.
3. Look at payment frequency. A weekly debit hits differently than a monthly one in a business that gets paid every two weeks.
4. Check what happens if you pay early. Fundbox waives future fees. With Bluevine, ask whether your plan offers real savings for early repayment.
5. Ask about extra fees. Bluevine says additional fees may apply; Fundbox shows its fees at the time of the draw.

If you qualify for an SBA loan or a traditional bank line, it usually costs less than either of these; the trade-off is paperwork and waiting. For the basics of how revolving credit is priced and repaid, see how a business line of credit works.

Who should pick each one (and what to do if neither approves you)

Pick Bluevine if: you have an LLC or corporation more than a year old, sell $10,000 or more a month, have a FICO of 625+ and want a large line with the option of monthly payments. If you have an ITIN instead of an SSN, Bluevine says it accepts it along with your EIN, which few fintechs publish.

Pick Fundbox if: your business is younger, you have at least 3 months of activity in a business account and you like choosing the term for each draw separately, for example paying off an inventory purchase in 12 weeks and a repair in 24.

Consider another option if: you're a sole proprietor without an LLC (Bluevine won't give you its line), you operate in Nevada or the Dakotas, your credit is below 625 or you need more than $250,000. Merchant Fund Express reviews your sales and deposits as well as your credit, considers FICO 500+, offers $5,000 to $5,000,000 and doesn't require collateral in most cases. Decisions often come in 2 to 4 hours, it accepts applicants with an ITIN (no SSN needed) and it offers Spanish-speaking support. You can apply for free with no impact to your credit and compare that offer against Bluevine's and Fundbox's.

How to decide in 5 steps

1. Check your entity. If you're a sole proprietor, Bluevine's line is off the table; Fundbox and other options stay open.
2. Pull your numbers. Average deposits over the last 3 months, your FICO and how many months you've been open. That tells you whether you clear Bluevine's bar.
3. Connect your bank. Both work best with your account connected. Keep statements handy in case they ask.
4. Apply in parallel. Since applying doesn't affect your score, you can see real offers in the same week and compare them using the same table.
5. Use the line with discipline. A line is for short cash-flow gaps: inventory, seasonal payroll, a repair. Don't use it to cover losses month after month.

If you have an ITIN, also read our guide to a business line of credit with an ITIN, and see how we rank business funding options. Prefer Spanish? Leer en español.