Stripe Capital 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	Stripe CapitalStripe	Bluevine Line of CreditBluevine
In one line	Advances repaid as a cut of your Stripe 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; repaid as a fixed share of Stripe sales (for example, $1,500 fee on $15,000)	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	Stripe 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	US
Phone support	Every plan	Plans not stated
Live chat	Every plan	Plans not stated
Support hours	Phone: 24x7 · Email: 24x7 · Live chat: 24x7	Not published
Incidents posted	Stripe has a public status page. Status page	We found no public status page for Bluevine.
Fit: Retail shop	50	70
Fit: Restaurant or café	40	68
Fit: Service business	60	75
Fit: Agency or studio	60	70
Fit: Trades or contractor	40	75
Fit: Online store	90	70
Why people pick it	No paperwork Repayment flexes with sales	Low starting rate No maintenance fees
Where it falls short	Only if Stripe offers it Flat fee can be pricey	Needs a year in business and $10K monthly revenue No sole proprietors
	Visit Stripe Capital ↗	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