BlueVine Capital Reviews

About BlueVine Capital

BlueVine Capital, found online at, is a company that offers “fast funding for your business” by providing immediate cash advances on open invoices in as little as one day, whenever you need. 

How Does It Work?

For a small or medium sized business that is just getting off the ground, one of the most difficult aspects of successfully growing is not always having the cash flow you need when you need it. When a company needs to place a deposit on a new office space or to make payroll, outstanding invoices showing the money that will be coming in eventually is not very helpful.  

But BlueVine decided to use the problem of outstanding invoices and turn it into a solution that gave businesses a better chance of success, by providing them with a network of investors who are willing to advance them the money they need based on the outstanding invoices they have. 

To create your BlueVine account, you must fill out a simple application that will just take a few minutes. When you have finished, you will be given an approved credit line that you can use as you need.  

When you submit an open invoice to BlueVine Capital, they will provide you with 85% of the invoice amount upfront and the rest, minus any fees, will be provided when your client closes the invoice. When your client closes their invoice, the money will be deposited into your BlueVine account instead of your original account. Your customers will never be notified by BlueVine that their invoice has been purchased, and all client communications will still be handled exclusively by you. 

Cost/Price Plans

The website is very clear that there are no hidden fees of any kind. Credit lines will vary from $5,000 to $100,000, and customers who expect to cover more than $30,000 in invoicing each month will need to contact a representative directly to get pricing information. 

Customers who are borrowing less than $30,000 per month should expect a standard fee rate of 1% per week with a minimum of three weeks’ time. Clients are always able to use their online calculator to enter an invoice amount and see the estimated range of the fees that will be applied, and it is important to note that the longer you responsibly use BlueVine, the lower your fees will get. The website says that as you build a history, the discounts may be as high as 30% off the standard fees. 

Refund Policy

Since this company does not charge any subscription or membership fees for their services, there is no applicable Refund Policy offered by this company at this time.    

Customer Service Contact Info

Customers who would like to contact Customer Service with any questions, concerns, or complaints can do so by phone at 888-505-3149 or by submitting them directly to their website through their Contact Us link. 


There are a handful of reviews of this company available from business blogs and third party independent publications, most of which are very enthusiastic about the potential this company offers to small businesses with cash flow concerns.

However, most of these reviews make the same mistake when discussing BlueVine Capital, which is to say that this company is a factoring company, a type of company that purchases invoices outright at a discounted price, and then receives ownership of that invoice. 

But BlueVine is very serious about emphasizing that they are not a factoring company – in fact, they describe themselves as an alternative to factoring, as they do not have long term contracts, monthly fees, and no minimum volume, and they do not purchase invoices outright at a discount. They lend money to cover an invoice, and will cover 100% of the invoice amount less their lending fees. It may seem like a very small difference, but it is a difference that it is important to BlueVine.        

Competitors and Alternatives?

There are many other companies that offer basic, straight forward business loans, like, LendVantage, LoanMe,, Swift Capital,,, and many others, as well as another company which offers invoice advances, called Fundbox

If you have experience with this company or their products, please leave your BlueVine Capital reviews below.

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