“Can an SMB lender become the all-in-one digital bank for U.S. small businesses by stacking third-party rails (Coastal, Stripe, Wise, NEXT, Plaid) under one brand?”
Bluevine started as an SMB lending company (invoice factoring, lines of credit, term loans), originally working with Celtic Bank for credit products. In 2018 it pivoted into business banking via a Bancorp-sponsored checking account, then transitioned its sponsor bank relationship to Coastal Community Bank as it deepened the banking offering. Today the company markets itself as a full SMB banking platform — checking, lending, AP automation, payments acceptance, and international payments — using third-party partners (Stripe, Wise, NEXT Insurance, Plaid) under its own brand.
BlueVine discloses Coastal Community Bank (sponsor) as its banking provider, with Coastal Community Bank as its sponsor bank, according to the Embedded Finance Index 2026.
BlueVine does not disclose a bank charter of its own; its banking services are provided through Coastal Community Bank.
BlueVine processes payments through Stripe.
BlueVine's cards are issued through Coastal Community Bank (sponsor).
BlueVine's lending and capital products are provided by Celtic Bank.
BlueVine connects to bank accounts through Plaid.
BlueVine uses Wise Platform for FX and cross-border payouts.
BlueVine's embedded insurance is provided by Coverdash.
BlueVine integrates with QuickBooks Online, Xero and Wave.
The Embedded Finance Index 2026 maps 10 layers in BlueVine's stack: Payments / PSP (Stripe); Banking / BaaS (Coastal Community Bank (sponsor)); Card issuing (Coastal Community Bank (sponsor)); Lending (Celtic Bank, Bluevine Line of Credit and Bluevine Term Loans); Insurance (Coverdash); Open banking (Plaid); Unified APIs (Wise Platform); Sponsor bank (Coastal Community Bank); FX & payouts (Wise Platform); Accounting (QuickBooks Online, Xero and Wave).
BlueVine is founded in 2013 and headquartered in Jersey City, NJ (previously Redwood City, CA).
Get a read on where your own stack stands against BlueVine and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.