Turn unpaid invoices
into working capital

Don't wait on net terms. Get an advance on your
outstanding invoices with Invoice Factoring.

Apply now Applying will not affect your credit score1
Invoice Factoring from BlueVine
Applying will not affect your credit score1

Shelley L, Ken D, Blind Squirrel Entertainment.

Factoring lines up to $5 million

Rates as low as 0.25% per week

Approvals as fast as 24 hours

Access more capital
with full flexibility

Get larger credit limits

Get a credit line based on the strength of your customers. As your sales grow, so can your credit limit.

Free up your cash

Unlike a traditional loan, there are no recurring payments when your customer pays by the invoice due date.

Fund only what you want

You decide how many and which invoices to submit. Fund only what you need, when you need, without long-term contracts.

Transparent fees

Know exactly what you’re paying with our straightforward fees. We charge a simple weekly fee due when the invoice is paid.

How BlueVine
Factoring Works


Apply online

Apply in less than 10 minutes with basic details about your business and customers.


Get approved

BlueVine will review your application and reach out with a decision in as fast as 24 hours.


Submit an invoice

Automatically sync invoices from your accounting software or upload invoices to your dashboard.


Get your advance

We provide ~85-90% of the money upfront. You get the rest, minus our fee, once the invoice is paid.

How BlueVine Factoring Works
Nik L Essel Environmental

BlueVine gave us the confidence to close the biggest deals in our company’s history - without worrying about capital.

Nik L Essel Environmental

BlueVine’s clients work with
some of the world’s leading brands


What you need to get started

Minimum qualifications

  • 530+ FICO
  • 3+ months in business
  • $10,000 in monthly revenue
  • Your business is B2B

What you need to apply

  • Some information about your business
  • Basic details about your invoices
  • Bank connection or 3 months most recent bank statements

Frequently asked questions

Today, business customers request longer and more flexible payment terms. As a result, you are constantly waiting to be paid by your customers while operational expenses, such as rent and payroll, need to be paid today. This gap in cash flow can limit your ability to hire more employees, buy more inventory and take on more customers. BlueVine’s invoice factoring solves your cash flow challenges by giving you money for your outstanding invoices today.

BlueVine currently accepts invoices where:

  • The service or product was completed, delivered and accepted by your customer
  • The customer is based in the US or Canada (English speaking provinces)
  • The customer is a business or government (not a consumer)
  • The invoice face value is higher than $500
  • The payment term is shorter than 13 weeks
  • The due date is at least 1 week away

BlueVine serves businesses in a wide variety of industries. These include (but not limited to): IT Services & Technology, Business & Professional Services, Wholesale Trade & Distribution, Manufacturing, and Staffing Services. Certain medical and healthcare industries may be restricted as BlueVine is not HIPPA certified.

You can request advances for as many invoices as you like and as often as you like, within your available credit facility. For example, if your credit facility size is $175,000, you can get funded on invoices worth a combined total of $175,000 at any given time. These funds can be in your account in as little as a few hours from approval and confirmation.

Meet our advisors.

Call us at Call us at (650) 446-8747

Apply now
Applying will not affect your credit score1
Meet our advisors

Nikki from Client Success, Mike from Underwriting,
and Shannon from Client Care.