Here’s to a year of growth and innovation

In 2025, Bluevine grew faster than ever, launched new products that made banking simpler and smarter, and continued to build a platform designed around your unique needs.

From the beginning, our mission has been clear: to make financial services more accessible, affordable, and easy to use—so business owners can focus on doing what they love. 

Everything we do starts with a simple question: Does this make it easier for our customers to run and grow their businesses?

In 2025, the answer was a resounding yes.

Improving your banking experience

We believe your business bank account should be as modern and flexible as your business. That’s why we’ve worked tirelessly to make our platform more powerful and reliable, and design our services to keep your hard-earned money yours.

In a year with declining interest rates and economic uncertainty, our priority was to continue delivering meaningful value to you. In 2025, Bluevine paid out nearly $24 million in interest to our customers—putting real money back into the hands of small business owners like you.

Every enhancement was designed with one goal: helping you keep more of what you earn while staying firmly in control of your business’s finances.

You now have built-in accounts receivable tools, including the much-needed ability to accept credit card and ACH direct debit payments directly into your Bluevine account. Easily process online payments via invoicing and payment links, plus let customers pay you in person via card or digital wallet with Tap to Pay.

We’ve also made meaningful upgrades to help you manage spending across your business. New sub-account debit cards, flexible spend controls, dispute tracking, and increased limits give you greater command over team expenses—while strengthened fraud safeguards help keep your finances simple and secure.

And we’ve expanded the ways you can make that money work even harder for you, whether through competitive APY on your checking balances or greater access to Bluevine Treasury for those looking to invest excess cash.^BVSUP-00129

Optimizing cash flow

Our recent survey found that 39% of small business owners have less than one month’s worth of operating expenses available, so we understand how big of an issue cash flow is—and we’re helping you solve it.

This past year, for 92% of checks deposited with Bluevine, funds were made available on the same day, giving businesses immediate access to their cash. We also made it easier to move and manage money your way, with instant and recurring transfers, plus ACH cancellation and payment memos.

And with new transaction details and a redesigned dashboard, you now have clearer visibility into every transfer and payout—right from within your Bluevine account.

As part of our mission to make working capital more accessible to small businesses, we’ve created new payment options to help expand access to the Bluevine Line of Credit. We’ve also partnered with even more business lenders so you can apply for multiple forms of financing through one simple application^BVSUP-00126—plus, we’ve extended nearly $40 million in credit lines to Bluevine Business Checking customers in 2025, more than ever before.

Innovating with AI

While “artificial intelligence” was the talk of the tech industry last year, AI isn’t just a buzzword for us. It’s a tool to help make our products smarter for you.

We’re harnessing AI as a means to an end—to help automate, predict, and personalize behind-the-scenes tasks that streamline your application process and money movement.

This year, we’ll continue to find ways to use AI to improve your experience and make processes more efficient, including new customer support capabilities and even faster underwriting.

Hitting the ground running in 2026

Everything we do is made possible by businesses like yours, and we’ve been focused on making everything you do possible.

Most small businesses still rely on traditional banks that weren’t built with them in mind. We’re changing that, by creating an all-in-one online command center for your finances, with tools designed specifically for small business.

Thanks to the trust and support of 900,000+ businesses,^BVSUP-00052 Bluevine is already the largest small business banking platform in the U.S.^BVSUP-00186—and we’ve now been named NerdWallet’s 2026 Best Online Business Checking Account. But we’re just getting started.

Here’s to another year of growth, innovation, and opportunity.

Business checking, lending, and payments all in one powerful platform.

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