Square Loans vs Bluevine Line of Credit

Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	Square LoansBlock	Bluevine Line of CreditBluevine
In one line	Advances for Square sellers, repaid from card sales	Credit line up to $250K with rates from 7.8%
Starting price	Flat fee, no interest	Rates from 7.8%
Six-person team	Flat fee, no interest	Rates from 7.8%
Plans	One flat fee per loan, no interest; a fixed share of daily card sales repays it	Up to $250K; rates from 7.8%; weekly or monthly repayment; no maintenance fee; $15 per wire draw; needs a corporation or LLC, 12+ months in business, $10K monthly revenue, 625 FICO; not in NV, ND, SD
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Square only	Bluevine checking, bank connection
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US · UK · CA · AU	US
Phone support	Plans not stated (US)	Plans not stated
Live chat	Plans not stated	Plans not stated
Support hours	Not published	Not published
Incidents posted	14 incidents posted on Block's status page, which covers all Block products and regions, in the 90 days to Oct 27, 2026; 0 marked major or critical by Block. Status page	We found no public status page for Bluevine.
Fit: Retail shop	90	70
Fit: Restaurant or café	85	68
Fit: Service business	70	75
Fit: Agency or studio	20	70
Fit: Trades or contractor	50	75
Fit: Online store	40	70
Why people pick it	Offers appear automatically No fixed monthly payment	Low starting rate No maintenance fees
Where it falls short	Must sell through Square Minimum repayment every 60 days	Needs a year in business and $10K monthly revenue No sole proprietors
	Visit Square Loans ↗	Visit Bluevine Line of Credit ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices