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Rebuilding a Thriving Business

How the Upcoming Round of the Paycheck Protection Program (PPP) Works

December 23, 2020

The new proposed Coronavirus stimulus package commits $284.5B to the Paycheck Protection Program (PPP), allowing second draws and simplified loan forgiveness.

Keep reading

5 Tips for Rebuilding Your Business in the New Normal

October 29, 2020

As you reopen and rebuild your business post-pandemic, here are five easy tips to adapt… Keep reading

How to Get Your SBA Paycheck Protection Program Loan Forgiven

September 22, 2020

What do you need to know about the SBA’s PPP loan forgiveness policies? Find out… Keep reading

5 Financial Questions to Ask During the COVID-19 Pandemic

September 2, 2020

As an owner managing your business through COVID-19, you’ll need to ask some tough questions… Keep reading

Improve Business Cash Flow

3 Things to Know About Going Cashless

November 18, 2020

Consumers and businesses are using cash less and less these days. If you’re ready to… Keep reading

11 Strategies to Help Manage Cash Flow for Your Small Business

May 23, 2019

Looking to boost and better manage your small business cash flow? Here are 11 cash… Keep reading

6 Ways Small Business Owners Can Manage Seasonal & Economic Change

May 23, 2019

Seasonal and economic change can often cause ups and downs in business. Here are six… Keep reading

What’s the Difference Between Profit and Cash Flow?

June 7, 2018

In business, you can make a profit but still have tight cash flow. Why? Here,… Keep reading

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No limit on number of transactions. However, checking accounts are subject to the monthly deposit and withdrawal amount limits of the Account Agreement. Application is subject to approval. No monthly or maintenance fees. Card Replacement Fees and Wire Transfer Fees may apply.

Non-employers include self-employed individuals without employees.
Small businesses in the Food and Accommodation industry (NAICS 72) and other eligible organizations may qualify for a PPP Second Draw if they have over 300 employees.
Businesses in the Food and Accommodation industry (NAICS 72) are entitled to receive up to 3.5x the average payroll costs on a Second PPP Draw.
BlueVine charges a $2.50 fee for ATM transactions outside of the MoneyPass® network. Additional third-party ATM fees may vary by ATM operator.
No interest earned on balances over $100,000. See the Account Agreement for details.
Based on user testing.
The national average and comparison are based on interest rates paid by U.S. depository institutions as calculated by the FDIC.
For businesses organized as a limited liability company or corporation, we do not perform a hard credit pull at any point in our process, which means your credit score will not be impacted. For businesses organized as sole proprietors or general partnerships, we will only perform a hard credit pull after you receive and accept your offer.
Once approved, get funds deposited in your bank account in as quickly as a few hours if you choose our bank wire option ($15). Or, choose our free ACH transfer option which typically gets funds deposited the next business day, although it may take up to three.
The rate is a simple interest rate calculated from total repayments over 26 weeks.
Applications are subject to approval. Approved customers who apply for a BlueVine Flex Line of Credit and draw $5,000 or more within 14 days of approval will receive a $100 Tango gift card. BlueVine Flex Line of Credit is issued by Celtic Bank, a Utah- chartered Industrial Bank, Member FDIC. Please allow at least four weeks to receive your gift card via email if you qualify. One gift card per eligible participant. Gift cards are non-exchangeable and non-returnable. This offer is single-use and non-transferable. BlueVine reserves the right to cancel the promotion anytime. Funding subject to credit approval. Other terms and conditions may apply. Inquire for more details.
For borrowers with loans of $150,000 or less, these documents will not be required at the time of application. These or additional documents will be required either before or during your loan forgiveness application.
Businesses with employees are eligible to apply for up to 2.5x average monthly payroll costs. Businesses in the Food and Accommodation industry (NAICS 72) are eligible to receive up to 3.5x the average monthly payroll costs on a Second PPP Draw.
Some exceptions may apply. Please review our guide for more information.
Subject to the terms and conditions of your credit card provider.
In the event your business is approved for a line of credit, and, prior to funding, the business receives an approved offer from a competing non-bank lender at a lower rate to that offered by BlueVine, BlueVine will offer the same or lower rate or BlueVine will pay your business five hundred dollars ($500). One gift card will be allowed per eligible participant. This promotion may not be combined with any other offers. Gift cards are non-exchangeable and non-returnable. Please allow at least four weeks to receive your gift card via email if you qualify. BlueVine reserves the right to cancel the promotion anytime. To be eligible for the Price Guarantee, the competing agreement must be for equivalent terms as those provided by BlueVine (e.g. interest rate, loan amount, origination fees, number of installments, repayment terms, collateral or other security, and no other materially different terms). BlueVine will determine in its sole discretion whether all material terms are equivalent. Your business must submit written proof of an approved agreement with competing non-bank lender prior to funding of the BlueVine line of credit and successfully complete its registration with BlueVine to be eligible for the $500 payment. The Price Guarantee does not apply to offers dated prior to the date of this mailing. Other terms and conditions apply. One gift card will be allowed per eligible participant. This promotion may not be combined with any other offers. Gift cards are non-exchangeable and non-returnable. Please allow at least four weeks to receive your gift card via email if you qualify. BlueVine reserves the right to cancel the promotion anytime.
On our best rates, LIBOR rate will be applied.
The content provided will be for educational purposes only and should not be construed as professional advice and/or a replacement thereof.
Each Bill Pay with Credit Card transaction will have a 2.9% fee. Not all suppliers may accept credit card payments; for example, credit card payments to insurance providers, credit card providers, or court-ordered payments are currently not supported. American Express cards are not supported in this feature.
Funding applications are subject to credit approval. Rates and terms may vary based on your creditworthiness and are subject to change.
Discounts based on referral codes refer to the weekly or monthly interest rates for Line of Credit customers, and weekly interest rate for Term Loan customers. The offer does not apply to Invoice Factoring customers. Offer available to first-time clients only.
For customers who received their PPP through Cross River Bank (CRB), they will contact you regarding loan forgiveness.
BlueVine. "Survey: Coronavirus Impact on Small Businesses." (2020): www.bluevine.com/coronavirus-business-impact-survey/ March 26, 2020
Several exemptions apply if a business did reduce headcount or wages. Read our guide on those exemptions for more information.
In order to qualify for the gift card, the Referred client must draw funds within 2 weeks of accepting an offer with BlueVine. The Referred client must also be in good standing for the 8 weeks following his or her first draw date. One gift card per eligible participant. Please allow at least 90 days after the Referred client's first draw to receive your gift card. Terms and conditions apply. Please see them for more details.
BlueVine reserves the right to add, remove or modify restricted industries without notice and in its sole discretion.
U.S. Small Business Administration Office of Advocacy. "2019 Small Business Profile." (2019): https://cdn.advocacy.sba.gov/wp-content/uploads/2019/04/23142719/2019-Small-Business-Profiles-US.pdf. April 2019
This process may take up to 150 days from submission, or more in certain circumstances.
Lowest rates starting from 0.25% will have an additional LIBOR rate applied.
Rates range from 4.8% to 20.5% per draw, simple interest. Simple Interest = Total interest you will pay, and given as a percentage of the amount borrowed, excluding fees. APR from 18.2% to 36%. Prices for business funding can vary depending on the expected term of the funding as well as other credit and eligibility criteria.
Survey issued via Survey Gizmo to 877 small business owners between June and July 2020. Survey participants all own businesses with 100 employees or less and 837 completed the survey.
There may also be circumstances when part or all of your loan is not eligible for forgiveness due to other SBA requirements that are beyond the scope of this post.
(“U.S. Small Business Administration Office of Advocacy. "2019 Small Business Profile." (2019)”)
At this time we do not have an estimate when we'll resume receiving new applications.
BlueVine is not a licensed tax professional and cannot provide tax advice. You should consult with your CPA or tax advisor about the implications of the current stimulus bill.
Earning rewards is subject to the terms and conditions of your agreement with your credit card provider.
Bill Pay funds are held by Silicon Valley Bank, a member of the FDIC and the Federal Reserve System.
Loans made after June 5 have a maturity length of 5 years.
A $4.95 per transaction fee is applicable while depositing funds at Green Dot® locations.
The Bancorp Bank, Member FDIC may transfer to Coastal Community Bank, Member FDIC after September 14, 2021 any funds received from returns of ACH Credits you originated from your account.
Conditions and exceptions apply - see Checking Account Agreement.
A balance is required in your BlueVine Business Checking account to order your two free checkbooks. Additional checkbook orders start at $18.22, excluding tax and shipping costs. Pricing is subject to change.
No limit on number of transactions. However, checking accounts are subject to the monthly deposit and withdrawal amount limits of the Account Agreement. Application is subject to approval. No monthly or maintenance fees. Card Replacement Fees and Wire Transfer Fees may apply.
The BlueVine Business Debit Mastercard is issued by Coastal Community Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Invoice factoring applications with FundThrough are subject to FundThrough’s approval. BlueVine cannot guarantee applications will be approved. FundThrough’s terms and conditions apply, and BlueVine is not responsible for the terms, performance, customer support or any other features of FundThrough’s products and services. Users should read FundThrough’s terms and conditions and privacy policy before applying.
For your billing date, the terms and conditions of your credit card apply.
Subject to terms and conditions of your credit card provider. BlueVine does not guarantee any outcome for the use of the Bill Pay with Credit Card service.
Subject to the terms and conditions of your agreement(s) with applicable vendor(s).

Get back to business

How the Upcoming Round of the Paycheck Protection Program (PPP) Works

5 Tips for Rebuilding Your Business in the New Normal

How to Get Your SBA Paycheck Protection Program Loan Forgiven

5 Financial Questions to Ask During the COVID-19 Pandemic

3 Things to Know About Going Cashless

11 Strategies to Help Manage Cash Flow for Your Small Business

6 Ways Small Business Owners Can Manage Seasonal & Economic Change

What’s the Difference Between Profit and Cash Flow?

4 Ways to Productively Use Downtime During COVID-19

On the go? Adopt a mobile-first mindset for your money.

How to Protect Your Small Business from COVID-19 Scams

How to Decide if You Should Furlough or Lay Off Employees

How to Keep up to Date on the Latest Reopening Guidance

How to Build A Successful Customer Service Model

4 Ways to Manage Financial Stress

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