BlueVine
“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?”
Founded2013
HQJersey City, NJ (previously Redwood City, CA)
Latest roundSeries F, $102.5M
IndustryFintech / SMB banking
The story
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.
Product timeline
2013
Founded as invoice factoring / SMB financing startup· lending
2018
Launched Bluevine Business Checking (originally with Bancorp)· banking
2019
Raised $102.5M Series F· funding
2021
Partnered with NEXT Insurance to offer embedded small business insurance· product
2022
Moved headquarters to Jersey City, NJ· pivot
2023
Launched international bill-pay with Wise Platform· product
2024
Switched banking partner to Coastal Community Bank; expanded checking plans (Plus, Premier)· banking
The stack
9 layers disclosed in BlueVine’s embedded-finance stack
Payments / PSP
Banking / BaaS
in the full report
Card issuing
in the full report
Lending
in the full report
Open banking
in the full report
Unified APIs
in the full report
Sponsor bank
in the full report
FX & payouts
in the full report
Accounting
in the full report
Accounting gap: minor
12 more providers across 8 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.