Up to $500K
Business Line of Credit
Flexible revolving capital with fast access whenever your business needs it.
Learn moreApprovals in as little as 4 hours
Fast business funding that works as hard as you do.
Access flexible financing solutions with fast approvals, competitive terms, and dedicated funding specialists who help your business grow.
- No hidden fees
- No obligation
- Won't affect credit
- $50M+
- Funded
- 15,000+
- Businesses served
- 24 hr
- Decisions
- 4.9★
- Client rating
Approved
$185,000
Funded in 18 hours
This month
+$1.2M
Deployed to 84 businesses
4.9 · 2,341 reviews
Live now
3 offers ready for review
Trusted by 15,000+ US businesses
Bank-level security
256-bit SSL encrypted
BBB A+ Accredited
Trustpilot 4.9 / 5
Funding solutions
Financing built around how you run
Match with the right product from our network of 75+ lenders — one application, multiple offers.
$10K – $2M
Merchant Cash Advance
Quick funding based on future sales with simple, sales-based repayment.
Apply nowUp to $5M
SBA Loans
Long-term, low-rate financing backed by the U.S. Small Business Administration.
Check eligibility$10K – $1M
Working Capital Loans
Short-term funding for inventory, payroll, expansion, or cash-flow gaps.
Get optionsCredit card processing
Save more with better payment processing
Modern payment solutions with competitive rates, advanced POS systems, next-day funding, online gateways, virtual terminals, mobile payments, and dedicated merchant support.
Get a Free Processing Review- Lower rates guaranteed
- Free equipment available
- Next-day funding
- Modern POS systems
- Online payment gateways
- Mobile & virtual terminals
- 24/7 merchant support
- PCI compliant
Why Bluebird
Backed by advisors who know your industry.
Fast approvals
Decisions in as little as 4 hours — not weeks.
24-hour funding
Cash in your account as soon as the next day.
Dedicated advisors
A real specialist assigned to your account.
75+ lender network
One application, multiple competing offers.
All credit profiles
Solutions for FICO 500+ and building credit.
Transparent pricing
See your APR, fees and terms before you sign.
No hidden fees
Zero application, origination surprise costs.
Personalized service
Structured around your goals — not scripts.
High approval rates
94% of qualified applicants receive offers.
How it works
A simple, five-step process.
- 01
Apply
Complete a 60-second application. No hard credit pull.
- 02
Review
A funding specialist reviews your business fit.
- 03
Compare
Receive multiple funding offers, side by side.
- 04
Choose
Pick the financing option that fits your goals.
- 05
Fund
Funds deposited into your account — often same day.
Industries we serve
Funding tailored to your industry.
Construction
Healthcare
Restaurants
Retail
Transportation
Manufacturing
Professional Services
Real Estate
Hospitality
E-commerce
Automotive
Wholesale
$0M+
Total funded
0+
Businesses helped
0%
Approval satisfaction
0 hrs
Average decision
What owners say
Real businesses. Real capital. Real growth.
“Bluebird funded our second location within a week. My advisor understood restaurants and structured the line so we only pay for what we use.”
Elena Marquez
Owner, Casa Rosa Cafe
Get pre-qualified
See your funding options in under 60 seconds.
Answer a few questions to unlock competing offers from our lender network. Zero impact to your credit.
- Instant pre-qualification — no hard pull
- Your data is never sold. Ever.
- 256-bit encrypted, PCI compliant
Step 1 of 3
0% complete
FAQ
Answers before you apply.
Still have questions? Our funding advisors are one call away — no bots, no pressure.
Call 917-848-8512Most of our programs require at least 6 months in business, $15,000 in monthly revenue, and a US-based business bank account. Credit scores as low as 500 are considered.
Depending on the product, we place funding from $10,000 up to $5 million. Your revenue, time in business, and credit profile determine your maximum.
Decisions in as little as 4 hours and funds in your account within 24 hours for most working-capital and MCA products.
$15,000/month for most programs. Some SBA products require more; some invoice-financing programs less.
We work with all credit profiles — even FICO scores under 550. Better credit unlocks lower rates and longer terms.
A one-page application, driver's license, voided check, and your last 3 months of business bank statements. That's it to get pre-qualified.
You receive a lump sum upfront and repay through a fixed percentage of future card sales. Repayment scales with your revenue.
A revolving pool of capital you can draw from anytime. You only pay interest on what you use — perfect for cash-flow fluctuations.
Yes. We provide POS systems, online payment gateways, mobile terminals, next-day funding, and free equipment programs with dedicated support.
Resource center
Sharpen your finance playbook.
Credit
7 moves to build business credit in 90 days
The exact playbook our advisors use to prep clients for the best rates.
6 min read
Financing
Line of credit vs. MCA: which is right for you?
A side-by-side breakdown for owners weighing flexibility against speed.
8 min read
Operations
Cash-flow forecasting for seasonal businesses
A simple template plus 3 rules of thumb to survive the slow months.
5 min read
Ready to grow your business?
Talk with a funding specialist today and discover financing options customized for your business — no obligation, no impact to your credit.