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BlueVine Small Business Loans Review

BlueVine might be expensive, but the online lending service offers fantastic and transparent services that are easy to qualify for and convenient.

    Chris Motola
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Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.
Chris Motola

Chris Motola

Expert Analyst & Reviewer at Merchant Maverick
An expert in personal and business loans and financial health, Chris Motola has been writing about small business finance and payments for over 5 years. He has been cited in various industry publications, including Forbes Advisor, GoBankingRates, and Medium. Chris is a graduate of the University of Central Florida.
Chris Motola
View Chris Motola's professional experience on LinkedIn.

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After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see BlueVine for yourself.


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    Eric Wong

    I applied for my PPP loan in Feb, they didn’t address and approve the loan until May. Then they sent me a letter stating that the PPP loan had run out of funding. You cannot directly contact anyone with meaningful information about your PPP loan status, they have some kind of receptionist who knows absolutely nothing about your loan or even what PPP is, that’s about it. They failed to address my loan in a timely fashion and now it looks like they waited too long and it won’t be approved. Meaningwilhile my colleague applied through Bank of America twice and received 20k each time. My biggest mistake was going with Bluevine, an archetype of incompetence.

      Erica Seppala

      Hi Eric!

      I’m sorry to hear about the issues you have had with receiving your PPP loan. I just want to make it clear that while lenders are no longer accepting new loan applications, loans that have already been approved will be funded. Per CNBC: “The SBA will continue to fund outstanding approved PPP applications from other lenders but won’t accept any new applicants.”

      I would continue to follow up with BlueVine to learn about the status of your loan and to receive updates as to when your funds will be disbursed. Good luck!

        Jerry Simson

        Organization Name: Luke transit LLC

        Had a blue vine business account opened up. Was approved and active. Had a large deposit for it to fund the account. Money was in the account for maybe 2 days. And one day after going for lunch. They closed my account for “unusual activity”

        They will not return follow up calls like they say. They only have a call back list they put you on. They won’t release any info “for security reasons “


        • Organization Name: Luke transit LLC

        Organization Name: A&B Property Owners, LLC

        I cant give any ratings yet….I got my first loan through SBA for 5,000…gov…I applied for first round of ppp through Bluevine for 5,200., Feb 23-21 and was not denied but still it is saying in reviewed…they said all my documents are in and nothing is further needed…yet iv emailed them and today I called and she just said check your dashboard…it takes 14-21 days…its been over 21 days…so I feel if I don’t get an answer soon…i miss the cute off to apply anywhere else…SBA approved me in a day…no one gives you answers …and if I gave them all the stuff they needed…confused here

        • Organization Name: A&B Property Owners, LLC
        Anne Walch

        Organization Name: Healing Path Integrative Medicina

        I had an excellent experience this week with Bluevine to obtain a PPP loan in 2021. Their online format made it really easy where they asked questions and then used the answers to guide me towards the loan application completion. i was pleasantly surprised how easy it was. I applied on Tues and had the loan in my bank account on Friday. Very thankful, and impressed.

        • Organization Name: Healing Path Integrative Medicina

        If I could leave a zero for Bluevine, I would.I applied for the second round of ppp loans with Bluevine on the advice of my accountant. After submitting the application, I was eventually asked to approve an alternative offer. They would not let me see the offer before I okd it – so I tried to contact them for more information. Endless hours on hold, only to be disconnected, unanswered emails – when I finally connected with someone who said she could help, she canceled my prior email requests and then completely disappeared, never answering my subsequent emails. I regret even considering using them. Dealing with them is a nightmare. Maybe they are understaffed, but that will become YOUR problem very quickly.


          Organization Name: Sunny Day

          This is one of those phantom banks you heard about. So easy to open your account, but once you move your money or need anything else, then you see that their support is non-existent and incompetent. Wait time is almost 45 minutes regardless of the time date. Their support doesn’t know anything and can’t do anything, they are promising supervisor will give you a call back and that of course never happens. Because they probably don’t have them. The risk you put your business by dealing with this bank is so enormous that there is absolutely no point of even opening your account there. You have been warned.

          • Organization Name: Sunny Day
          Rob Will

          BlueVine service is horrible. I applied for a PPP loan that my business really needs about 8 weeks ago. I was referred to them through a friend that works at one of BlueVines partners. After it said my app was complete, it was over a month of silence. They did not reply to my email inquiries. I called in. I waited on hold for about an hour then hung up. I called another day and was given the option to have them call me back from the customer service line. They never called. Tried this again a few days later. They did call back, I pressed a number to be connected, then an automated response said they weren’t accepting calls at that time. Called again, and it took over 2 hours to be connected to a customer service rep. They said everything looked good on my application, and they were just dealing with the backlog of applications before they’d get to mine. A week or two later, I received an email, followed the link and my app was declined. Reason? “Unable to verify Applicant’s identity from documents submitted.” My driver’s license and LLC docs have been used numerous times for loans. Names match. There are no problems with the IDs. I asked my friend that works with one of BlueVine’s partners. He said “The inability to verify your identities is not true by everything I see in the application.” I sent an email to [email protected] 2 weeks ago for clarification or see what they needed. No replies. Been on hold for over 2 hours now at 888-216-9619. There is no outlet to get answers or insight. Not replying to support tickets, declining and closing applications for petty reasons and no resolution option, not calling back, calling back but telling customers you aren’t taking calls, and 2+ hour wait times… This is unacceptable service. I considered applying months ago to other PPP lenders, but many said to not apply if you have applied through another lender. I wish I would’ve cancelled my BlueVine app way back then. Do not use BlueVine. They do not care about their customers.


            This comment refers to an earlier version of this review and may be outdated.

            Cindy Van Damme

            Organization Name: JC Systems, Inc

            Very dissatisfied with this company. The day they announced COVID-19 they shut down my credit line (as did Kabbage). During this time, when money was needed to keep businesses open they shut down. If it was not for On Deck, I probably would have had to close my doors. They were the only company that helped during these hard times. I tried contacting both Kabbage and Bluevine because I was struggling to make my payments. Neither company would call me back and they continued to take payments not caring if they overdrafted my account. If you want a company that is not going to run during hard times try On Deck. Bluevine and Kabbage will definitely not be there for you. They do not answer voicemail messages or emails so don’t expect much from them.

            • Organization Name: JC Systems, Inc

            This comment refers to an earlier version of this review and may be outdated.

            K Moore

            I applied for a PPP loan on 5/23, due to the advertisement saying “approval in minutes”, and so haven’t received any communication from Bluevine. Today is 6/17 so their minutes turned into a month. You can’t get anyone on the phone and receive no responses via email. WORST CUSTOMER SERVICE I’ve ever received.


              This comment refers to an earlier version of this review and may be outdated.

              Cinci Anderson

              Organization Name: Credentialed Clinical Placement, llc

              Has anyone received their PPP from this company?

              • Organization Name: Credentialed Clinical Placement, llc

              This comment refers to an earlier version of this review and may be outdated.

              Chanel Whitson

              Shame on you BlueVine for denying my small business SBA Backed PPP loan only because my bank account is newly negative for the first time ever! The world has been literally shut down since March because of a world wide pandemic and everyone was affected. I did what I was told and paid my employee’s so that they could shelter in place before finally closing down to help stop the spread. Because the Small Business Association and the federal government guaranteed relief would come through the smaller lenders this time as a protection from being overlooked the first round.
              Stop eliminating a valued part of our community and back the small businesses to ensure jobs and growth and sustainability for us all. Shame on you for closing out the ones that really could use the help the most. First it was the big banks now it’s even the small lenders and their partners. I have been waiting patiently since the first round of SBA relief to finally be told that I don’t qualify for the second round during a pandemic?!?
              8 years of self financing my dream business will be washed away because my bank account is only recently insufficient during a PANDEMIC!
              No where in the SBA guidelines does it state that a newly negative account or low income would automatically disqualify you from receiving credit, or a Economic Hardship loan. If you cared enough BlueVine maybe you would have called my bank and learned that my account has never EVER been negative not once, until this global Pandemic! My bank can vouch that this is my first time negative. My finances are normally not this stressed. But now I realize there will never be any relief for the minority owned disadvantaged Women business leaders.
              I will file a complaint with SBA ombudsman, the federal trades commission, and all of your lending partners. The Equal credit opportunity act prohibited these actions.
              “Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is Federal Trade Commission”
              Looking at the bigger picture I really wonder how many minority owed or disadvantaged small businesses have been shut out from government relief during this pandemic. Every Business and Every Person matters and because of that a class action suit will be the next cause of action against your predatory lending and bad ethical practices.

                This comment refers to an earlier version of this review and may be outdated.

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