Bluevine, founded in 2013 and headquartered in Jersey City, New Jersey, is a financial technology company that runs the largest small business banking platform in the United States. Its product is an all-in-one financial operating system for startups and small businesses, combining Business Checking accounts - offering no monthly fees, unlimited transactions, free standard ACH transfers and up to 3.0% APY - with lines of credit, term loans and SBA-backed lending. The company reports serving over 1 million small businesses nationwide.
The engineering scope is broad. Technical work spans digital banking and payments technology, lending and credit underwriting, ACH transfers, international payments, tap-to-pay and in-person payment acceptance, and accounts payable automation. Deposit infrastructure is delivered through banking partnerships, with FDIC insurance coverage of up to $3 million per depositor via Coastal Community Bank. Invoice factoring, the original working capital product, marked the company's early days before the current platform took shape.
Bluevine employs more than 500 people across multiple countries, with offices in Redwood City, California; Salt Lake City, Utah; Tel Aviv, Israel; and Bengaluru, India. The company states a mission of building innovative, accessible and affordable banking services for small business owners, while retaining the agility and customer focus of a technology company.
External recognition includes NerdWallet's Best Online Business Checking Account award, CNBC's World's Top Fintech Companies list and Money's Best Overall Small Business Bank award.
