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Blue Bridge Financial Reviews


bestfor-icon Tailored Equipment Financing Solutions

Written by Matthew Levy

About Blue Bridge Financial | Read More


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  • sales@bluebridgefinancial.com
  • 866-777-1011
  • 11921 Freedom Drive Reston, VA 20190
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Blue Bridge Financial Business Loans Review

Blue Bridge Financial specializes in providing asset-backed business loans, offering a range of financing solutions tailored to small businesses’ unique needs. Whether you are looking to finance new equipment or seeking working capital, Blue Bridge Financial’s flexible terms and fast funding options are designed to help your business.

Blue Bridge Financial Business Loans Highlight


Min Credit Score

Min 5.99%

APR. Fixed Rate


Loan Amount

Up to 60 months

Repayment terms


Soft Credit Pull


Lender Type

$200-$700, dependent on loan

Other Fees


Origination Fee


Prepayment Fee

1 Days

Funding Time

6+ Months

Time in Business

Pros & Cons

  • con-icon Multiple loan options including equipment financing and working capital
  • con-icon Same-day funding
  • con-icon Funding up to $500K
  • con-icon Flexible payment options
  • con-icon Benefits for paying off early
  • con-icon Factor rates instead of APR for short-term cash loans
  • con-icon Minimum $10,000 financing amount
  • con-icon Certain industry restrictions

Business Loan Types

  • Working Capital Loans
  • Equipment Financing

Blue Bridge Financial Business Loans Terms & Requirements

Blue Bridge Financial stands out for its business loan approach, offering Equipment Finance Agreements and Working Capital loans. These products are designed with flexibility in mind, allowing them to serve various business purposes, from upgrading or purchasing equipment to bolstering daily operational funds.

The terms are quite competitive, particularly their fast funding process and the niche focus on used equipment, which can be a game-changer for many small businesses. Additionally, the introduction of tailored solutions such as deferred payments caters well to companies in need of breathing room in their budgeting. The credit score and industry restrictions are clear and reasonable, aligning with market standards while maintaining an inclusive approach to service a broad customer base. Overall, Blue Bridge Financial’s terms and requirements seem to balance the need for risk management with the provision of accessible and rapid financial support for businesses.

How to Apply

Applying for a personal loan with Blue Bridge Financial is designed to be a straightforward and user-friendly process. Begin by navigating to their official loan application webpage.

  1. The homepage has a button to apply for a loan.
  2.  You can either enter your personal information to have a sales rep contact you, or you can expedite your request by submitting a full application.
  3. If you’d prefer to have someone contact you and you fill out the inquiry contact form, your job is done for the meantime until you speak with a sales representative. If you click on the submitting a full application form, you’re brought to this page where you fill out a credit application.
  4. After completion, you will be in contact with a sales rep to finish your application.
  5. As part of their efficient process, Blue Bridge may give an immediate preliminary quote or decision based on the information provided. If more information is needed, they’ll guide you through the subsequent steps.
  6. In the final steps, they will review all the entered information, confirm your eligibility, and and reach out to you if they need any additional documents.

Once submitted, Blue Bridge Financial typically reviews the application quickly, and if any additional information or clarification is needed, they may contact you directly. Funding times are as fast as immediately after the application or within a few days, depending on information needed and your ability to send it quickly.

Customer Support: If at any point you encounter difficulties or have questions, you can reach out to the Blue Bridge team for help with completing the application process.

Qualification Requirements

Qualification Type Requirement
Credit score & credit history Minimum credit score of 610 required.
Applicants should not have recent bankruptcies, with a preference for a clean credit history.
Minimum age of business Start-ups are eligible; no minimum time in business required for new businesses.
For certain industries, such as restaurants, gyms, and hotels, a minimum of 5+ years in business is required.
For most other businesses, minimum time in business is 6 months. 
Minimum annual revenue None
Minimum age of borrower Borrowers must be of legal age to contract, typically 18 or 21 years old, depending on the state.
Citizenship/residency Must be a U.S. citizen or a permanent resident to qualify for a loan.

Required Information

Starting the prequalification process with Blue Bridge Financial is straightforward and can typically be initiated online, which is convenient for business owners with busy schedules. During this initial step, you’ll be asked to provide a variety of information to help Blue Bridge Financial assess your loan request.

You should prepare to provide the following:

  • Full name and contact details (phone number, email address)
  • Name of the business and business tax ID
  • Proof of identity (such as a driver’s license)
  • Business address and/or place of operation
  • Social Security Number for personal credit checks
  • Bank account details and recent statements
  • Desired loan amount and specific purpose for the loan

In certain instances Blue Bridge Financial may ask for the following additional information (but this information is not required to initially apply):

  • Business financial statements
  • Personal and business tax returns
  • Documentation of business ownership and legal structure
  • Detailed business plan (especially for startups or expansion plans)

Application Steps & Time Frames

The application process for obtaining a business loan with Blue Bridge Financial is designed to be efficient and user-friendly:

  1. Initial Submission: Complete the online application form with the required information, which usually takes about 5 to 15 minutes.
  2. Document Provision: Gather and submit all necessary documents through the online portal or as directed by a loan representative.
  3. Approval and Funding: Wait for the loan approval, which could be on the same day or the next day for most cases. Deals with private party sellers may require additional time.

From the initial application to funding, the entire process is quick, often completed within a single business day, assuming you have all your documents ready and meet the qualification criteria. Compared to other lenders, Blue Bridge Financial’s process seems less cumbersome and relatively quick, which is particularly beneficial for businesses requiring prompt financial assistance.

State Availability

Available - Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming,

Not Available - Alaska, Hawaii, Nevada, North Dakota, Rhode Island, South Dakota, Vermont,

Written by Matthew Levy

Matthew is a freelance financial copywriter with 14+ years in financial services. He holds a Bachelor of Science degree in Economics with business and finance options and is a CFA Charterholder. He is from Vancouver, Canada, but writes from all over the world.



What types of equipment does Blue Bridge finance?

Blue Bridge Financial supports a variety of business endeavors by financing a broad spectrum of essential equipment. From heavy machinery needed in construction to the latest technology for IT companies, Blue Bridge offers financing solutions tailored to the specific equipment needs of your business.

How much can I borrow from Blue Bridge?

The loan amounts offered by Blue Bridge Financial are designed to cater to the diverse needs of businesses, ranging from modest investments to significant acquisitions. You can apply to borrow sums up to $500,000, with the actual amount contingent upon a thorough credit evaluation and the appraised value of the equipment you wish to finance.

What happens if I can't make a loan payment on time?

Blue Bridge Financial understands that financial hiccups can occur. If you anticipate difficulty in making a loan payment on time, communicate this to Blue Bridge as soon as possible. The team is committed to working with you to find a feasible solution, which may include rescheduling your missed payments to accommodate temporary financial setbacks.

Customer Support

Engaging with Blue Bridge Financial’s customer support proved to be satisfactory overall. They offer both email and phone contact options, aiming to provide comprehensive assistance. Despite some initial challenges when attempting to reach out via phone, the service was good once connected. Email inquiries were addressed within 2-5 business days. Conversations with customer service representatives – actual human beings rather than bots – were helpful and informative.

Although a call back option was not provided, the assurance of a response within a day suggests an efficient customer service operation. While online feedback on their problem resolution shows a mix of experiences—typical for sizable companies—their in-house expertise in deal structuring, underwriting, and compliance, as well as the personalized approach to equipment financing for small and medium-sized businesses, showcases their dedication to customer support. However, it should be noted that Blue Bridge Financial is not a marketplace but a direct lender, which means the post-deal support is managed internally rather than relying on third-party providers.

Privacy & Security

Blue Bridge Financial places a significant emphasis on privacy and security, so that customer information is protected through stringent measures. Though details on their exact security protocols are not specified, their standing as an independent lender not affiliated with larger banks implies a solid approach to data safeguarding. Their focus on personalized customer service further suggests a commitment to handling personal information with care. As a financial entity, they would be subject to financial regulatory bodies, which oversee their operations and ensure compliance with industry standards on privacy and security. Additionally, Blue Bridge Financial is required to meet data protection standards of credit agencies like Experian, Equifax, and Transunion. 

In Conclusion

Blue Bridge Financial establishes itself as a partner for small to medium-sized businesses in search of specialized equipment financing. Since its inception in 2009, it has carved a niche by offering more than just loans; it presents a partnership aimed at business growth. Their personalized approach, evident through their hands-on customer service and individual deal structuring, shows their selling point of delivering tailored financial solutions.

While their email correspondence is a bit slow, they have knowledgeable human customer service. They do face the common corporate challenge of mixed reputational feedback online and some difficulty with phone-based communication. Despite this, their agility in funding and commitment to secure loans for essential-use equipment solidify their reputation as a trusted lender. They distinguish themselves from larger banking institutions with their flexible, customer-centric model and a demonstrated history of substantial loan facilitation, which aligns with their mission to fuel the expansion of businesses nationwide.