Tree of Life vs
Bluevine

Both options have their strengths. Tree of Life Funding is a lending marketplace that connects you with 75+ lenders, giving you more options to compare. Bluevine is a direct lender with competitive rates. The best choice depends on your specific needs, credit profile, and funding timeline.

The key difference is that Tree of Life Funding provides access to 75+ lenders through one application, while Bluevine offers funding directly. Tree of Life Funding offers loan amounts up to $5M with funding as fast as 4 hours, while Bluevine offers up to $250,000 with funding in 24-72 hours.

Rates vary based on your business profile, credit score, and loan type. Tree of Life Funding's marketplace model often helps businesses find more competitive rates by comparing multiple lenders. Bluevine's rates range from 20% to 80%. We recommend checking both to see which offers better terms for your situation.

Bluevine typically requires a minimum credit score of 625+. Tree of Life Funding works with all credit types and can connect you with lenders even if you have bad credit, giving you more options to explore.

Bluevine typically funds in 24-72 hours. With Tree of Life Funding, depending on the lender match, you can receive funding as fast as 4 hours for certain products, though most loans fund within 1-7 days.

Bluevine uses a soft credit pull initially, similar to Tree of Life Funding. Tree of Life Funding never performs a hard credit pull when checking your rates—only when you choose to proceed with a specific lender.