Bluevine vs Fundbox (2026): Fees, APR and Terms Compared
Short answer: Compare cost and size first. Bluevine: Rates from 7.8% (LendingTree: per 26-week term); about 29% APR before the draw fee (Lender List est.); $1,000 to $250,000. Fundbox: Fees from 4.66% per 12-week draw and 8.99% per 24-week draw (about 36% to 37% APR); $1,000 to $150,000 on the line (third-party reported). The table and profiles below show who each one suits. Figures come from our full reviews of Bluevine and Fundbox.
Bluevine vs Fundbox at a glance
| Bluevine | Fundbox | |
|---|---|---|
| Lender type | Fintech; line of credit issued by Celtic Bank, serviced by Bluevine | Online lender and embedded-finance platform (fintech) |
| Products | Revolving line of credit; partner term loans; Business Checking | Line of credit (direct); term loans, invoice, purchase and revenue-based financing mainly via partners |
| Amounts | $1,000 to $250,000 | $1,000 to $150,000 on the line (third-party reported) |
| Cost | Rates from 7.8% (LendingTree: per 26-week term); about 29% APR before the draw fee (Lender List est.) | Fees from 4.66% per 12-week draw and 8.99% per 24-week draw (about 36% to 37% APR) |
| Term | 3, 6 or 12 months per draw | 12 or 24 weeks per draw |
| Funding speed | Decision in about 5 minutes; funds within 24 hours, instantly to Bluevine Checking | Decision in minutes; funds within 2 business days |
| Founded | 2013 | 2013 |
| HQ | Jersey City, NJ | Dallas, Texas |
| Status | Active | Active |
Choose Bluevine if
Best for: LLCs and corporations a year or older with $10K+ monthly revenue and 625+ FICO that want a line up to $250K at a low starting price.
Choose Fundbox if
Best for: U.S. businesses with 3+ months of bank history, about $100K a year in revenue and a 600+ credit score that need fast revolving credit for short cash gaps and can handle weekly payments.
Who should skip each
- Bluevine is not for: Sole proprietors without Bluevine Business Checking, businesses under a year old, companies in Nevada, North Dakota or South Dakota, or anyone needing over $250K or terms past 12 months.
- Fundbox is not for: Anyone who needs more than about $150,000, wants to repay over more than 24 weeks, or wants an APR well below 30%. A bank line, Bluevine or an SBA loan will cost far less if you qualify.
Lender List verdict
Bluevine: Bluevine has among the cheapest starting prices for a fast line of credit: about 29% APR on a 26-week draw at its 7.8% top rate, before an unpublished draw fee, and you see the full cost before you draw. The catch is a higher bar to qualify than Fundbox's. Fundbox: Fundbox is one of the easiest business lines of credit to qualify for, and it shows the full fee before every draw. It is also expensive: a starting-rate 12-week draw works out to about 37% APR, so use it to bridge short gaps, not to fund long-term growth.
Frequently asked questions
Which is cheaper, Bluevine or Fundbox? Bluevine: Rates from 7.8% (LendingTree: per 26-week term); about 29% APR before the draw fee (Lender List est.). Fundbox: Fees from 4.66% per 12-week draw and 8.99% per 24-week draw (about 36% to 37% APR). Your actual cost depends on the offer and how fast you repay, so convert any quote with our factor rate to APR calculator. Which funds faster, Bluevine or Fundbox? Bluevine: Decision in about 5 minutes; funds within 24 hours, instantly to Bluevine Checking. Fundbox: Decision in minutes; funds within 2 business days. How much can I get from Bluevine or Fundbox? Bluevine: $1,000 to $250,000. Fundbox: $1,000 to $150,000 on the line (third-party reported). Read the full reviews: Bluevine review · Fundbox review. Figures come from those reviews, which cite the lenders' own pages and third-party sources; see our methodology. Updated 2026-10-27. Pricing varies by offer; confirm with the lender before applying.