Full-Time

Underwriter

Posted on 9/8/2026

Bluevine

Bluevine

501-1,000 employees

SMB-focused online lending and factoring

Compensation Overview

$61.9k - $74.1k/yr

+ Annual performance-based cash bonus

Salt Lake City, UT, USA

Hybrid

Hybrid work arrangement indicated by the posting.

Bachelor's

Category
Finance & Banking (1)
Required Skills
Risk Management

Get referred to Bluevine

See people who can refer or advise you

Requirements
  • At least 2 years of underwriting experience, ideally within a fintech company, bank, or other financial institution.
  • Strong knowledge of credit fundamentals within a commercial lending environment.
  • Strong analytical skills and exceptional attention to detail.
  • Sound judgment and the ability to evaluate complex financial information.
  • A collaborative mindset and strong written and verbal communication skills.
Responsibilities
  • Underwrite small business loan applications in accordance with established credit policies, procedures, and risk guidelines.
  • Analyze financial statements, bank statements, tax returns, application data, and business and personal credit reports.
  • Evaluate applicant creditworthiness, identify potential risks, and structure loans within established guidelines.
  • Make well-supported credit decisions while balancing risk, customer needs, growth, and profitability.
  • Clearly document underwriting decisions and rationale.
  • Support additional projects and responsibilities as assigned by the manager.
Desired Qualifications
  • Small business lending experience.
  • Formal credit training.
  • A bachelor's degree in finance, accounting, economics, or a related field.

BlueVine provides online financial services for small and medium-sized businesses, offering business loans, a revolving line of credit up to $250,000, and invoice factoring. Through an easy online platform, SMBs can apply and receive approvals quickly (often in minutes). Loans and lines of credit help cover expenses like payroll, rent, and utilities, while invoice factoring gives immediate cash by selling outstanding invoices at a discount. It also offers PPP loans that are fully forgivable when funds are used for authorized expenses. What sets BlueVine apart is its fast online process, transparent pricing with no hidden fees, and a focus on flexible working-capital solutions for SMBs. Its goal is to help SMBs manage cash flow and access working capital quickly and reliably.

Company Size

501-1,000

Company Stage

Debt Financing

Total Funding

$807.5M

Headquarters

Redwood City, California

Founded

2013

Get referred to Bluevine

See people who can refer or advise you

Simplify Jobs

Simplify's Take

What believers are saying

  • Bluevine launched Tap to Pay in December 2025, widening payment acceptance beyond hardware.
  • Bluevine's Q2 2026 updates added autopay, open-ended payment links, and sub-account controls.
  • Bluevine claims one million customers, $2 billion deposits, and $17 billion loans by August 2026.

What critics are saying

  • Bluevine cut 18% of staff in December 2024 after earlier June layoffs.
  • Bluevine depends on Coastal Community Bank and Celtic Bank; partner exits would cripple deposits and lending.
  • Stripe, Wise, and bank partners control core rails; any outage or repricing hits Bluevine immediately.

What makes Bluevine unique

  • Bluevine bundles checking, invoicing, cards, and lending in one SMB operating system.
  • Bluevine expanded July 2026 to foreign-resident owners using Wise Platform onboarding.
  • Bluevine offers FDIC coverage up to $3 million through Coastal Community Bank.

Help us improve and share your feedback! Did you find this helpful?

Benefits

Health, vision, & dental insurance

Competitive salary

401k

PTO & holidays

Parental leave

Life insurance

Commuter pass

Weekly catered lunches

Volunteering events

Happy hours

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

0%
Finbold
Aug 30th, 2026
Bluevine publishes new guide to Business Checking Accounts for small enterprises.

Bluevine publishes new guide to Business Checking Accounts for small enterprises. New York, USA, August 30th, 2026, Chainwire Bluevine publishes a practical guide covering business checking accounts, financial organization, and cash flow management for small enterprises. Bluevine has published a new practical guide covering business checking accounts and cash flow management for small enterprises. The guide outlines considerations for separating personal and business finances, evaluating checking account features, managing recurring financial obligations, and maintaining regular account reviews. The guide is available at an online business checking account. Separating Personal and Professional Finances The guide outlines the importance of maintaining separate accounts for personal and business transactions. Separating financial activity can support clearer accounting records, facilitate tax preparation, and provide a more organized view of business cash flow. According to the guide, maintaining a dedicated business account can also help businesses track incoming and outgoing funds, review account activity, and organize financial documentation. Requirements for separate business accounts may vary depending on the business structure and applicable regulations. Key Features of Business Checking Accounts The guide reviews common features that small enterprises may consider when evaluating business checking accounts. These include account fees, transaction costs, digital banking capabilities, statement access, software integration, and tools for managing routine business payments. It also discusses operational features such as business debit cards, transfers, balance notifications, automated expense categorization, and support for recurring payments. The guide notes that the relevance of individual features depends on a business's financial activities and administrative requirements. Cash Flow Management Practices The guide recommends establishing regular routines for reviewing account balances, monitoring incoming and outgoing funds, categorizing expected expenses, and reconciling bank records. It also highlights the importance of distinguishing current cash balances from funds allocated for future obligations, including taxes and other recurring expenses. Additional recommendations address common account management issues, including combining personal and business purchases, overlooking account fees, failing to review security settings, and delaying bank reconciliations. The guide discusses access controls and transaction monitoring as measures businesses can consider as part of routine account management. Using Banking Data for Financial Management The guide also examines how businesses can use transaction and cash flow information to support financial planning. Reviewing revenue patterns, payment cycles, and recurring expenses can provide information for managing cash reserves and evaluating upcoming financial commitments. Bluevine developed the guide to provide small enterprises with practical information for reviewing business checking account management and related financial practices. About Bluevine Bluevine was founded to give small businesses the modern financial solutions and support traditional banks fail to provide. By combining industry-leading technology, high-yield checking, flexible lines of credit, and seamless payment tools, Finbold empower growing companies to thrive. Over one million business owners trust its all-in-one platform with $2B+ in deposits and $17B+ in delivered funding. With transparent pricing, robust security, and dedicated human support, Bluevine gives entrepreneurs the capital and confidence they need to succeed. Disclaimer: Bluevine is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC. Contact. SVP, Customer Success & Account Management April Danile Bluevine [email protected]

Vialynx Inc
Jul 6th, 2026
Bluevine breaks geographic barriers for US small businesses, launches digital onboarding for international owners.

Bluevine breaks geographic barriers for US small businesses, launches digital onboarding for international owners. Business · JUL 6, 2026 PR Newswire Bluevine now enables entrepreneurs across Australia, Canada, select countries in the EU, Israel, India, New Zealand, and the UK to seamlessly manage U.S. b... Bluevine now enables entrepreneurs across Australia, Canada, select countries in the EU, Israel, India, New Zealand, and the UK to seamlessly manage U.S. business finances. JERSEY CITY, N.J., July 6, 2026 /PRNewswire/ - Bluevine, the largest digital banking platform for small businesses in the US*, today announced it will expand its services to select foreign-resident owners of U.S. businesses**. This strategic expansion allows international entrepreneurs to open and manage a US business account with zero physical friction, completely eliminating the traditional requirement for in-person branch visits that has long served as a barrier to global commerce. Through this expansion, owners of US businesses residing in Australia, Canada, select countries in the EU, Israel, India, New Zealand, and the UK will be able to digitally access the simple, powerful products and services Bluevine is known for-saving and earning with industry-leading APY up to 3.00%*** on high-yield Bluevine checking accounts and sending and receiving cross-border payments-via a frictionless onboarding process powered by Wise Platform. Now, internationally located US small business owners can move money and pay bills for free with standard ACH while managing their finances for multiple businesses from a single Bluevine checking account. Additionally, Bluevine users will enjoy unlimited transactions and invoices-with no monthly fees for Standard plan or minimum balances-all with FDIC insurance for up to $3 million, through Coastal Community Bank, Member FDIC. They can also manage their money more intelligently, integrating other business software tools to their accounts to remove the friction of having to constantly transfer money and data between fractured accounts and systems. Historically, international resident business owners have faced significant hurdles when attempting to access the US financial system, including requirements for in-person branch visits. By leveraging its specialized risk and automation expertise, Bluevine is providing a digital-first solution that empowers business owners and founders residing internationally to scale their US operations with the speed and efficiency required in today's market. With industry-leading partners, Bluevine has implemented a rigorous, technology-driven Customer Identification Program (CIP) to allow for digital onboarding. "This is an important moment for us," said Eyal Lifshitz, Bluevine CEO and Co-Founder. "Our mission from day one has been to make life easier for small business owners. As the son of an immigrant small business owner, and as the CEO of a company with international offices, this expansion only seemed logical. We're proud to support the US growth of global businesses and startups." *As compared to publicly available data on the number of lifetime customer accounts held by other US banking platforms dedicated to small businesses that offer both checking and lending services, as of January 2026. **Bluevine is not available to sole proprietorships or non-profits, and is only available to US business owners living in Australia, Canada, select countries in the EU, Israel, India, New Zealand, and the UK. ***Premier and Plus plan customers automatically earn annual percentage yield ("APY") on their available balances. Standard plan customers will earn interest on their available balances if they meet an eligibility requirement as detailed in the Terms of Interest Accrual which is incorporated as a part of the Bluevine Business Checking Account Agreement. Bluevine Premier is subject to a $95 monthly fee. Bluevine Plus is subject to a $30 monthly fee. About Bluevine Bluevine is the largest small business banking platform in the U.S., serving as the financial operating system for startups and small businesses. Through a single account, companies can earn more, save more, borrow, and manage their money whenever and wherever they do business - without ever stepping into a branch. Accessible through one dashboard, its product suite integrates high-yield business checking, accounts payable, debit and credit cards, loans, and lines of credit. Since 2013, Bluevine has served over 900,000 customers, delivered over $17 billion in loans, and is currently trusted with over $1.8 billion in managed customer deposits. Bluevine has been named as the Best Online Checking Account by Nerdwallet for 2026. Bluevine is backed by leading private and institutional investors, including Lightspeed Venture Partners, Menlo Ventures, 83North, Citi Ventures, ION Crossover Partners, SVB Capital, Nationwide Insurance, and M12 (Microsoft's Venture Arm). Bluevine is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. Lines of credit are issued by Celtic Bank. For more information, please visit bluevine.com or follow us on LinkedIn, Instagram, Facebook, and X. SOURCE Bluevine Published by News Desk · WeeklyReviewer The WeeklyReviewer news desk monitors breaking developments around the clock - sourcing, verifying, and publishing real-time industry news across business, technology, politics, science, sports, and world affairs. Every story that comes through the Live Wire is reviewed for accuracy before publication, keeping our readers ahead of the curve without the noise.

FF News
Jun 25th, 2026
Bluevine hits major milestones: 1 million small businesses served and $2 billion in deposits.

Bluevine hits major milestones: 1 million small businesses served and $2 billion in deposits. Quick summary. Bluevine has officially surpassed 1 million lifetime customers, securing its position as a leading small business banking platform. With $2 billion on deposit and $17 billion in total originations, the fintech has successfully transitioned from a pure-play lender to a comprehensive financial operating system for US-based SMEs. How is Bluevine scaling its small business banking platform? Bluevine has demonstrated exponential deposit growth, surging from $300 million in 2022 to over $2 billion in 2026. This shift indicates that the small business banking platform is no longer just a source of credit but a primary hub for operational capital. Key growth metrics include: * 1 million+ lifetime small business customers served. * $400 million in monthly accounts payable volume. * $37 billion in total lifetime payments processed. By diversifying revenue through subscription and float, the company has moved beyond its origins in lines of credit to capture a larger share of the $125 billion non-commercially banked market. What new features drive Bluevine's market dominance? The platform continues to innovate with integrated financial tools designed to simplify cash flow management. Recent updates like Tap to Pay and Invoicing Links allow merchants to accept payments seamlessly across digital and physical channels. To combat rising security concerns, Bluevine introduced ACH positive pay and check blocking features, providing the fraud protection typically reserved for enterprise-level accounts. Furthermore, a strategic partnership with Xero has streamlined accounting workflows, ensuring that Bluevine remains the central "financial operating system" for modern entrepreneurs. What does this growth mean for the fintech ecosystem? The rapid adoption of Bluevine's services highlights a significant market shift away from traditional brick-and-mortar institutions. As Eyal Lifshitz noted: "We know the future of small business banking won't be built by the institutions that have been pulling away from Main Street - it'll be built by platforms like ours that are ready to step in and help," said Eyal Lifshitz, co-founder and CEO of Bluevine. This sentiment is backed by industry-leading accolades from NerdWallet and Money, confirming that digital-first platforms are now the gold standard for SME financial services. Ff news take: Bluevine's jump from $300M to $2B in deposits in just four years is a massive signal that the small business banking platform model has reached maturity. While many fintechs struggle with unit economics, Bluevine's successful pivot from lending-only to a fee-and-float model proves sustainability. This isn't just a growth update; it's a warning to traditional banks that the battle for Main Street is being won by agile, tech-led platforms. Featured speakers.

Choose New Jersey
Jun 10th, 2026
Why New Jersey is the best place for business growth and the World Cup.

Why New Jersey is the best place for business growth and the World Cup. An estimated 1.2 million visitors will gather in New Jersey to experience the thrill of the FIFA World Cup 2026(TM) games at MetLife Stadium. New Jersey was chosen as the host for the world's biggest game because it is home to a robust infrastructure, vibrant international communities, and passionate sports fans. Beyond the state's status as a hub for sports and entertainment, New Jersey is also a sought-after business destination with unmatched market access and a highly educated workforce that ensures international businesses are poised for success. Many of the assets that make New Jersey such a dynamic location for the World Cup are the same reasons companies choose New Jersey to scale and succeed. Location. Efficient market access. New Jersey places businesses at the center of the North American consumer market, between Boston, New York, Philadelphia, and Washington, D.C. By establishing operations here, a company can reach one-third of the United States population and one-third of its economy within a single day's drive. This unparalleled geographic advantage ensures millions of people won't have to travel far to see a World Cup game for themselves and allows businesses to scale rapidly, connect with customers quickly, and build a robust presence in the United States. "New Jersey is the center of the world," said Sharon Carmeli, Chief Compliance Officer at Bluevine, an Israeli fintech company that expanded to Jersey City. "The access that we have for the capital markets, the private equities of the world... Jersey City is where we have it all." Infrastructure. Seamless international air travel. The airports in the New Jersey region connect businesses directly to the global marketplace, ensuring products and people move without friction, whether they're flying in for the big game or a vital business meeting. Newark Liberty International Airport (EWR) is part of the busiest airport system in the world, along with the nearby John F. Kennedy International Airport (JFK) and LaGuardia Airport (LGA) in New York. Together, they offer 866 daily nonstop international flights to 131 cities. Its immense capacity ensures that executives, clients, and partners can travel between a company's New Jersey headquarters and its international offices with ease. The nearby Philadelphia International Airport (PHL) also offers a wide array of flights Newark is home to one of United Airlines' largest operational hubs. According to United, it offers over 400 daily flights out of Newark Liberty International Airport, making international travel convenient. Its airport system's density of flight options means business leaders and fans from around the globe can find the route they need at the time they need it. The premier East Coast port. Successful global businesses rely on resilient, efficient supply chains. New Jersey has a robust logistics infrastructure, with an integrated network of ports, railways, and highways that keep goods moving swiftly and safely. At the heart of its logistics infrastructure is the Port of New York and New Jersey. As the busiest seaport and the largest maritime cargo center on the East Coast of the United States, it provides direct, high-capacity access to international shipping lanes. Whether a business relies on importing raw materials or exporting finished products, this port ensures its supply chain remains cost-effective. An unmatched rail and highway network. New Jersey also offers an extensive rail network and highway system, facilitating rapid distribution across the continent and making travel to World Cup games easier. Companies can move freight from ship to train to truck with remarkable efficiency, minimizing transit times and maximizing operational margins. The state is also located in the center of Amtrak's Northeast Corridor. Amtrak Acela trains make traveling to destinations like Boston and Washington, D.C., quick and efficient. Talent. When businesses expand operations to a new country, they need to know that they can attract top-tier talent. New Jersey, which boasts the highest concentration of engineers and scientists in the United States, offers an elite pipeline of talent for any business. Higher education. Some of the most highly educated talent in the country comes from its prestigious higher education institutions, including New Jersey Institute of Technology, Montclair State University, Kean University, Rowan University, Rutgers University, Stevens Institute of Technology, and Princeton University, which has been named the best university in the country by U.S. News & World Report for 15 consecutive years. These universities also offer collaborative research opportunities for companies located in New Jersey. Its talent ecosystem further includes a robust pipeline of skilled workers trained at its many prestigious community colleges, ready to work as lab technicians, in advanced manufacturing facilities, and more. Quality of life & safety. Businesses need assurance that relocating executives and their families will feel welcome and supported in their new homes. New Jersey offers that assurance, as one of the top 10 safest states in the United States, according to U.S. News & World Report. Choose New Jersey, Inc. is proud to be known for its safe, welcoming communities. Inclusive communities. There's a reason New Jersey is called The World's State(R). It boasts the second-highest concentration of foreign-born residents in the United States. One-third of all New Jersey business owners are foreign-born, creating a uniquely supportive environment for international entrepreneurs. The state's international communities are also a major reason the world's most popular game already has a massive fanbase here. They include: * Palisades Park, which has one of the largest and fastest-growing Korean diaspora communities, with the highest density of Korean-Americans of any municipality in the United States. * Newark, with its vibrant Ironbound district, where Brazilian and Portuguese immigrants have made their homes and operated their businesses for centuries. * Edison, where a stretch of Oak Tree Road is known as "Little India" due to its concentration of Indian families and businesses. People of all nationalities come to New Jersey to find the comforts of home. New Jersey was also among the first states to mandate an inclusive history curriculum in schools, reflecting its deep commitment to equality and respect for all people. "Diversity allows people coming from outside countries to settle better," said Himanshu Gadgil, Ph.D., CEO of Enzene, a global CMC in biologics development that expanded from India to Pennington, New Jersey. "When we were looking to get into the U.S. we went from coast to coast. Life in New Jersey offers our employees a quality of life that's not possible in most other places." World-Class education for the next generation. For international families relocating to the United States, education is often the highest priority. New Jersey delivers unmatched peace of mind in this crucial area. According to U.S. News & World Report, its state has the #1 public school system and the #1 STEM high school in the country. Choose New Jersey, Inc. also rank first in K-12 foreign language enrollment, ensuring a globally minded curriculum for young learners Business assistance. As fans flock to New Jersey for the FIFA World Cup 2026(TM), they'll get to experience the best of the state's sports and entertainment scene, just as businesses that choose New Jersey get one of the best business launchpads in the country. Interested in tapping into New Jersey's global connectivity, advanced infrastructure, diverse talent pool, and exceptional quality of life? Choose New Jersey is ready to help you navigate every step of the process. Choose New Jersey provides free, confidential support to companies looking to establish operations in its state. Its team of industry specialists offers personalized guidance, strategic insight, and comprehensive market intelligence to ensure your success. Choose New Jersey, Inc. maintain a robust network of international global centers to serve you locally. Its experts are ready to assist with site selection, state resource information, and critical partner introductions. Do not miss the opportunity to position your business for lasting global success. Ready to explore your expansion opportunities? Contact its Business Development team today at [email protected] to start the conversation. Let's work together to build your future in New Jersey.

PR Newswire
Feb 26th, 2026
Bluevine launches invoicing tools to help small businesses get paid twice as fast

Bluevine, the largest digital banking platform for small businesses in the US, has launched a suite of invoicing and payment tools to help businesses improve cash flow. The new features include creating estimates that convert to invoices, adding discounts, and instant free payments between Bluevine users. The company reports that businesses using its invoicing product get paid more than twice as fast on average. Additional updates include ACH positive pay for Premier customers, allowing review of outgoing payments before sending, and multi-business management through single sign-on. Founded in 2013, Bluevine has served over 900,000 customers and delivered over $17 billion in loans. The company is backed by Lightspeed Venture Partners, Menlo Ventures, and Microsoft's venture arm M12.