Lender Comparison · Online Lender
Inflection Financing vs Bluevine
Bluevine sunset most lending in 2024. Inflection Financing is purpose-built for commercial credit.
TL;DR
For banking, Bluevine is solid. For lending, you need an actual lender — Inflection Financing.
| Feature | Bluevine | Inflection Financing |
|---|---|---|
| Max loan amount | N/A | $5M SBA 7(a) · $15M CRE · $5M bridge |
| Time to funding | N/A (lending paused) | 12 hours (bridge) · 21–45 days (SBA) |
| Rate range | N/A | Prime + 2.25% (SBA) · 9.9% (term) |
| Broker fees | N/A | $0 — bank-direct |
| SBA Preferred Lender | No | Yes — Inflection Financing |
| Direct lender | Marketplace / broker | Yes — institutional lender |
Where Bluevine wins
- →Strong banking/checking product
- →Easy online onboarding
Where Inflection Financing wins
- →Full six-product capital stack — SBA, bridge, term, working capital, equipment, CRE
- →SBA Preferred Lender status
- →Institutional underwriting team focused only on lending
What to watch with Bluevine
- →Wound down line of credit and term-loan products in 2024
- →No SBA 7(a) program
- →No bridge or CRE financing
- →Focus shifted to banking, not lending
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