Bluevine is a fintech company that operates what it describes as the largest small business banking platform in the United States, serving more than one million small businesses and startups. Founded in 2013 and headquartered in Jersey City, New Jersey, it offers an all-in-one financial operating system spanning business checking, lending and payments. Its checking accounts carry no monthly fees and unlimited transactions, with high-yield interest of up to 3.0% APY, and deposits are insured up to $3 million per depositor through a partnership with Coastal Community Bank.
The product suite reflects a range of technical domains relevant to engineers and product staff. Beyond checking accounts, the platform includes revolving lines of credit, term loans, SBA-backed loans and invoice factoring - the working-capital product with which the company began. Accounts payable automation, cross-border international payments and tap-to-pay acceptance for in-person transactions round out the system, touching payments processing, lending technology and digital banking infrastructure.
The company employs more than 500 people across offices in Jersey City, Redwood City, California, Salt Lake City, Utah, Tel Aviv, Israel and Bengaluru, India, with a nationwide customer base in the United States. Its stated mission is that small business owners deserve better banking than traditional banks provide, delivered through innovative, accessible and affordable services.
Industry recognition includes NerdWallet's Best Online Business Checking Account, Money's Best Overall Small Business Bank and inclusion in CNBC's World's Top Fintech Companies.
