What Bluevine does

Bluevine is a digital-first financial technology company founded in 2013 that serves U.S. small and medium-sized businesses with an integrated banking, lending, and payment acceptance platform. The company operates as a fintech rather than a chartered bank: deposit accounts and FDIC insurance (up to $3 million per depositor, 12x the standard limit) are provided through a partnership with Coastal Community Bank, revolving credit lines up to $250,000 are issued by Celtic Bank, and term loans up to $500,000 plus SBA 7(a) loans up to $350,000 are facilitated through lending partners including Fundera by NerdWallet. Payment acceptance — invoicing, payment links, and Tap to Pay — runs on Stripe rails, and the Bluevine Business Debit Mastercard runs on the Mastercard network with access to MoneyPass, Allpoint+, and Green Dot for cash access.

The platform is structured around three checking tiers: a free Standard plan earning 1.3% APY (subject to a monthly activity goal), a $30/month Plus plan earning 1.75% APY, and a $95/month Premier plan earning 3.0% APY — both paid tiers are waivable with sufficient balance and card spend. Adjacent products include sub-accounts for budgeting, accounts payable automation with QuickBooks sync, international payments to 32 countries in 15 currencies, bill pay, Treasury advisory services through SEC-registered Bluevine Advisory LLC, and a U.S. banking product for international business owners across 22 countries. Technology differentiators cited by the company include AI-powered lending (97% same-day disbursement), an AI customer-support chatbot (over 75% resolution in its first month), cash-flow-based underwriting using open banking data, and ACH positive pay plus 3D Secure fraud controls.

Bluevine generates revenue through subscription fees on paid tiers, payment processing take rates (2.9% + $0.60 online, 2.7% + $0.30 in-person, 1% ACH), wire and transfer fees (tiered), interchange on debit cards, interest on credit lines and term loans, and check payment fees. Distribution is product-led via bluevine.com and a mobile app, supplemented by partner referrals from accounting platforms (FreshBooks, Wave, Xero, QuickBooks Online) and an insurance partner (Coterie Insurance). The company claims over 1 million small business customers, more than $2 billion in deposits, and $17 billion+ in cumulative business loans facilitated, positioning itself as the largest U.S. small business banking platform dedicated to SMBs that offer both checking and lending.

Name

Bluevine

Legal name

Bluevine Inc.

Website

https://bluevine.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Bluevine is a digital-first financial technology platform serving over 1 million U.S. small businesses with integrated business checking, working capital lending, and payment acceptance. Banking services are provided through partner banks with FDIC insurance up to $3 million.

Ownership category

akta.pro rank

Product category

Small Business Banking

NAICS

Commercial Banking (522110), Sales Financing (52222), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), National Commercial Banks (6021), Loan Brokers (6163)

akta.pro primary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

akta.pro secondary industries

Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), SBA/Government-Backed & Development Finance Loans (FSAKAGAI), SME & Business Cross-Border Payments (B2B) (FSAMAIAB)

Keywords

• Business banking services
• Small business lending
• Online business checking
• Payment processing solutions
• Accounts payable automation

Headquarters

HQ city

Redwood City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Subscription Fees: Monthly subscription fees from Plus ($30/month) and Premier ($95/month) business checking plans. Fees can be waived based on balance and spending requirements.
2. Payment Processing Fees: Transaction fees from processing payments via Stripe including 2.9% + $0.60 for online card transactions, 2.7% + $0.30 for in-person Tap to Pay, and 1% for ACH direct debit. Plus and Premier plans offer 20% and 50% discounts respectively.
3. Wire and Transfer Fees: Fees for domestic wires ($15 Standard, $12 Plus, $7.50 Premier), international wires ($25 for USD, plus 1.5% for FX), incoming international wires ($15 Standard, $12 Plus, $7.50 Premier), and same-day ACH ($10 Standard, $8 Plus, $5 Premier).
4. Lending Interest: Interest income from Bluevine Line of Credit (up to $250K) issued by Celtic Bank and business term loans (up to $500K) through lending partners.
5. Interchange Revenue: Interchange fees from Bluevine Business Debit Mastercard and Bluevine Business Cashback Mastercard usage by customers.
6. Check Payment Fees: $1.50 per check payment from dashboard. Plus plan includes 5 free checks/month, Premier includes 20 free checks/month.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

Bluevine provides digital-first business banking, lending, and payment acceptance services for U.S. small and medium-sized businesses. Its core offering combines high-yield business checking (up to 3.0% APY across Standard, Plus, and Premier tiers with FDIC insurance up to $3M through Coastal Community Bank) with revolving lines of credit up to $250K (issued by Celtic Bank), business term loans up to $500K, SBA 7(a) loans up to $350K, and integrated payment processing including invoicing, Tap to Pay, payment links, ACH, wires, and check processing powered by Stripe.

Product overview

Bluevine is a digital banking platform for small businesses offering an integrated suite of business checking, lending, and payment acceptance services. The core platform consists of Bluevine Business Checking with three tiered plans (Standard, Plus, Premier) differentiated by APY rates, sub-account limits, fee discounts, and premium features. Lending products include Bluevine Line of Credit (up to $250K, issued by Celtic Bank), Business Term Loans (up to $500K via partners), and SBA Loans (up to $350K via Fundera). Payment acceptance includes professional invoicing, payment links, Tap to Pay, and estimates, all powered by Stripe. Additional services include accounts payable automation, bill pay, international payments, business debit cards with cashback, and Treasury advisory services. The platform integrates with QuickBooks Online, Xero, FreshBooks, and Wave for accounting connectivity. Banking services are provided by Coastal Community Bank with FDIC insurance up to $3 million per depositor.

Differentiator

Problem solved

Functional benefit

Brands

• Bluevine Business Checking: Digital business checking account with high-yield interest up to 3.0% APY, FDIC insurance up to $3M, no monthly fees, and features including sub-accounts, debit cards, and payment processing.
• Bluevine Line of Credit
• Bluevine Term Loan
• Bluevine Accept Payments

Products and services

• Bluevine Business Checking Digital business checking account offered in three tiers: Standard ($0/month, 1.3% APY on balances up to $250K), Plus ($30/month waivable, 1.75% APY on balances up to $250K), and Premier ($95/month waivable, 3.0% APY on all balances). Includes no monthly or overdraft fees, free standard ACH transfers, up to 20 sub-accounts (Premier), FDIC insurance up to $3M through Coastal Community Bank and program banks, mobile check deposit, integrated invoicing, Tap to Pay, payment links, ACH fraud protection, international payments, and physical/virtual debit Mastercard with up to 4% cash back.
• Bluevine Line of Credit Revolving business line of credit up to $250,000 issued by Celtic Bank and serviced by Bluevine. Features weekly or monthly repayment terms, revolving credit that replenishes as the borrower repays, application does not impact personal credit score, and funds can be deposited in as fast as a few hours via bank wire. AI-powered underwriting enables rapid decisions with 97% same-day disbursement on deposited checks.
• Business Term Loan Lump-sum business financing up to $500,000 through Bluevine lending partners, with predictable repayment terms up to 24 months. Targeted at small businesses needing fixed-amount working capital.
• SBA Loan SBA 7(a) loans up to $350,000 facilitated through Bluevine's partnership with Fundera by NerdWallet, helping small business owners access government-backed financing through a streamlined channel.
• U.S. Business Banking for International Owners Specialized business banking account for U.S.-registered LLCs and corporations owned by non-U.S. residents. Requires passport and EIN (no SSN required). Supports owners from 22 countries including UK, Canada, Australia, Germany, India, and Israel. Enables U.S. business banking infrastructure, international payments, and multi-entity management for foreign-owned U.S. businesses.

Quantifiable outcome

• Customers save up to $500/year in fees compared to traditional banks
• +5 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability4 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core and minor.

• FreshBookscoreTechnology or Integration · 26 February 2026FreshBooks and Bluevine partnered to integrate Bluevine's high-yield business checking account with FreshBooks' financial platform. The partnership aims to streamline banking and bookkeeping workflows, reduce manual work, speed up reconciliation, and provide clearer visibility into day-to-day finances for small business owners.
• StripecoreTechnology or IntegrationPayment processing services provided by Stripe, Inc., N.A. powering Bluevine's Tap to Pay, invoicing, and payment links functionality. Bluevine Inc. provides payment processing services available to most businesses, subject to eligibility.
• Fundera by NerdWalletminorChannel Partner/ Reseller/ DistributorBluevine partnered with Fundera by NerdWallet to help small business owners access SBA 7(a) loans up to $350,000.
• MastercardcoreTechnology or IntegrationMastercard is the payment network for Bluevine Business Debit Mastercard and Bluevine Business Cashback Mastercard. Provides access to Mastercard Easy Savings program (up to 4% cash back), ID Theft Protection, global emergency services, and car rental insurance.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mercury: Mercury provides digital business banking, treasury, and credit products to startups and SMBs. Closest direct peer: same digital-first SMB banking model, similar deposit-led flywheel, and overlapping lending products.
• Brex: Brex offers business banking, corporate cards, and expense management to SMBs and startups. Comparable on integrated banking + payments + lending stack, with a similar product-led growth motion and SMB customer base.
• Ramp: Ramp delivers corporate cards, bill pay, and expense automation with growing business banking and lending. Overlaps with Bluevine in SMB payments automation, AP workflows, and increasingly in deposits.
• Novo: Novo is a digital-first SMB banking platform offering checking, invoicing, and integrations with accounting tools. Directly comparable on target customer (very small businesses / sole proprietors), pricing model, and feature set.
• Found: Found provides banking and bookkeeping tools for self-employed individuals and small businesses. Comparable on persona (solopreneurs, freelancers), tax/integrations focus, and B2B fintech positioning.
• Relay Financial: Relay offers business checking with multiple sub-accounts, bill pay, and lending to SMBs. Direct competitor on sub-account-based SMB banking and integrated AP/payments workflow.
• NorthOne: NorthOne is a digital business banking platform built for small businesses with sub-accounts, integrations, and lending. Closely matches Bluevine's checking-led, integration-rich, SMB-focused product.
• Lili: Lili targets freelancers and self-employed professionals with banking, bookkeeping, and tax tools. Direct competitor on the solopreneur and small-business banking niche with similar integrated feature set.

Emerging players

• Grasshopper Bank: Grasshopper Bank is a digital-native commercial bank serving SMBs, startups, and fintechs. Comparable on SMB and fintech-platform banking, with the difference of holding its own bank charter versus Bluevine's partner-bank model.

Broad incumbents

• JPMorgan Chase Business Banking: Chase is the largest U.S. SMB banking franchise with deep branch network, lending scale, and payments rails. Represents the incumbent competitor Bluevine is displacing among digitally native SMBs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bluevine
• Xx.com/bluevine
• Facebookfacebook.com/bluevinecapital

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds15 records

Investors26 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bluevine