B
BluevineBest line of credit
Quick access to a revolving line for established businesses.
- Fast funding
- Transparent fees
- Short repayment terms
- Not available in NV, ND or SD
Business Loans · Updated October 2026
Bluevine vs Funding Circle (2026)
Both are popular business loan choices. Here's how they compare on APR or factor rate · term · speed, and which one fits which shopper.
The quick verdict
- Bluevine Best line of credit Quick access to a revolving line for established businesses.
- Funding Circle Best for longer terms Longer terms help keep payments manageable on larger loans.
FC
Funding CircleBest for longer terms
Longer terms help keep payments manageable on larger loans.
- Longer repayment terms
- Larger loan amounts
- Origination fee of 4.49% to 10.49%
Side-by-side comparison
B | FC | |
|---|---|---|
| Trustpilot rating | ||
| Products | Line of credit | Term loan |
| Amount | Up to $250,000 | Up to $500,000 |
| Min. time in business | 12 months | 2 years |
| Min. credit score | 625 | 660 |
| Visit site | Visit site |
Also consider
- OnDeck · Best for same-day funding
What to compare before you choose
- APR vs. factor rate. Some products quote a factor rate instead of APR. Convert both to total repayment so you can compare them fairly.
- Repayment schedule. Daily or weekly payments affect cash flow more than a monthly schedule, even at the same total cost.
- Time to funding. Online lenders can fund in days. Banks and SBA loans take longer but often cost less.
- Personal guarantee and liens. Many loans require a personal guarantee or a blanket lien on business assets. Know what you are pledging.
Compare all business loan providers that serve your ZIP code.
Compare Business LoansTrademark and logo notice: Company names, logos and trademarks are the property of their respective owners and are used only to identify each company and its products. Their appearance does not mean that any company endorses, sponsors or is affiliated with The Top 10 Experts, unless we say so. Facts were checked against public sources in October 2026; confirm current terms with the provider. Customer ratings are Trustpilot TrustScores as of October 2026, shown only for companies rated 4.0 or higher with at least 25 reviews; The Top 10 Experts is not affiliated with Trustpilot. To request a change, contact legal@thetop10experts.com.