Simply put: BlueVine cannot be trusted. Just as many of the other reviews on here state, I had a very poor experience with BlueVine denying draws on credit lines that are established already for arbitrary reasons. I've never had this issue with any other lender. BlueVine seems to care only about driving new signups and not actually allowing existing customers to utilize their credit lines even if they are in great standing. Their focus is on signing up new companies (likely to improve their growth numbers), but once you are a customer they decline draws and refund to honor existing lines. It's almost like a ponzi scheme where they are simply wanting to show "growth" to investors but then refuse to actually lend once they get businesses to trust them. If you have a small business and establish a credit line and expect to be able to reliably draw from the established credit line consistently, I would run far away from BlueVine and stick to other lenders.