Blue Bridge Financial (2025)

— Review updated Nov 2025

Written by Joe Chappius

- Nov 7, 2025

Blue Bridge Financial offers solid equipment financing options with impressive speed and flexibility that sets them apart from traditional lenders.

While their interest rates can run high for lower credit profiles, their willingness to work with diverse businesses makes them valuable for SMBs needing quick equipment funding.

The personal guarantee requirement is standard but worth noting.

Read the full review

Blue Bridge Financial At glance

Popularity

6

The popularity score indicates the percentage of customers choosing this company the last 90 days.

Customer Experience

Fast application process and next-day funding provide excellent convenience. No age restrictions on equipment being financed offers flexibility that many competitors don't match.

Company name

Blue Bridge Financial

Website

https://bluebridgefinancial.com/

Phone

866-777-1011

Pricing

60

Interest rates ranging from 5.99% to 25% place them somewhat above market average. The origination fees aren't clearly specified, which reduces transparency in their pricing structure.

Customer Support

80

Response time is prompt with applications reviewed within 4 business hours, though some initial challenges with phone support were mentioned. Their personalized approach to customer service indicates a commitment to client satisfaction.

Terms and Flexibility

80

Clear loan terms with flexible options for various industries. Their detailed application process and transparent eligibility requirements show good practices, though some restrictions on states and industries may limit accessibility.

Pros & Cons

  • Specializes in essential-use equipment financing across multiple industries, ensuring industry-specific expertise.

  • No restrictions on the age of equipment being financed, allowing for both new and used equipment purchases.

  • Fast application process with decisions typically within 4 business hours, saving you valuable time when acquiring equipment.

  • Flexible financing options for a wide range of industries, giving you more choices for your business needs.

  • Next-day funding possible after approval, allowing you to act quickly on equipment purchases.

  • Personalized customer service, ensuring your specific needs are addressed throughout the financing process.

  • Deferred payment options available, helping you manage cash flow more effectively.

  • Personal guarantee required from business owners 98% of the time, potentially increasing your financial risk.

  • Specific industry and state restrictions apply, limiting options for some businesses.

  • Interest rates can be high, ranging from 6.99% to 25% for A-C Credit Profiles.

  • Some initial challenges reported with phone support, though overall customer service is satisfactory.

Details

Blue Bridge Financial Business Loan

Terms & fees

Loan amount$10,000 - $500,000
Term4 months - 6 years
Annual interest rate6.99% - 25%
Nominal interest rate1.07% - 1.25%
Origination fee0.5% - 1%
Interest rate typeVariable rate

Requirements

Minimum credit score580-669
Minimum years in business0.5
Minimum annual revenue$50,000
Company types availableEvery company that needs equipment financing
National bank requiredYes
National phone number requiredYes
Headquarters in country requiredYes
Electronic identificationNo
Require tax returnsYes
Require bank statementYes
Require financial statementYes
Require business planNo
Collateral requiredYes
Personal collateral requiredNo

Features

Revocation periodNo
Weekend payoutNo
Loan extensionsYes
Early paybackYes
Loan brokerNo
P2P LenderNo
Possible for start-upsYes
Line of creditNo

Additional fields

Recommended companyYes
Get started

In the competitive world of small business equipment financing, Blue Bridge Financial stands out as a specialized lender catering to businesses that need quick access to funds for essential-use equipment.

Founded in 2009, this independent equipment finance lender has already funded over 9,000 businesses with more than $600 million in loans, making them a significant player in the industry.

Key Takeaways

  • Loan amounts up to $500,000 with terms up to 60 months

  • Interest rates ranging from 5.99% to 25% for A-C credit profiles

  • Minimum FICO score of 610 required (with some industry exceptions)

  • Next-day funding possible after approval

  • No age restrictions on equipment being financed

  • Personal guarantee required in 98% of cases

Blue Bridge Financial offers Equipment Finance Agreements (EFAs) and working capital loans, primarily serving industries like construction, manufacturing, medical, and transportation. Their standout feature is speed, with applications reviewed within 4 business hours and potential next-day funding.

However, they have specific state and industry restrictions, excluding operations in states like Alaska, Hawaii, and Vermont, and industries such as cannabis and cryptocurrency.

This review will examine Blue Bridge Financial’s offerings, process, costs, and customer service, comparing them to market alternatives. Whether you’re an established business owner or just starting out, we’ll help you determine if Blue Bridge Financial is the right choice for your equipment financing needs.

FeatureDetails
Loan AmountsUp to $500,000
Repayment TermsUp to 60 months
Application ProcessOne-page application
Funding SpeedAs fast as next day after approval
Equipment Age LimitNo restrictions
Industries ServedConstruction, Manufacturing, Medical, Transportation, and more
Credit EvaluationMinimum FICO score of 610, with some industry exceptions
Financing OptionsEFA (Equipment Finance Agreement), Working Capital

Who is Blue Bridge Financial for?

Blue Bridge Financial caters primarily to small and medium-sized business owners looking for equipment financing solutions across various industries.

Their flexible approach and financing options make them suitable for businesses in construction, manufacturing, medical, transportation, and other sectors requiring essential-use equipment.

They specifically target business owners with at least 51% ownership who can personally guarantee the loan.

Requirements

To be eligible for Blue Bridge Financial’s services, you must:

  • Be a registered business entity

  • Have a business bank account

  • Provide basic financial information about your business

  • Have a minimum FICO score of 610 (with some industry exceptions)

  • Be willing to personally guarantee the loan (required 98% of the time)

Credit Evaluation Process

Blue Bridge Financial takes a holistic approach to credit evaluation, considering factors beyond just credit scores. Their process includes:

  • Business Financial Health: They assess your business’s overall financial situation, including revenue, cash flow, and profitability.

  • Time in Business: The length of time your business has been operating is considered as part of your stability assessment.

  • Equipment Type and Value: The nature and value of the equipment being financed play a role in their decision-making process.

  • Industry Factors: They consider industry-specific trends and risks that may impact your business.

  • Personal Credit History: A minimum FICO score of 610 is generally required, with some exceptions for certain industries.

  • Collateral: The equipment being financed often serves as collateral, which can help offset credit risk.

This approach allows Blue Bridge Financial to work with businesses that might not meet the strict criteria of traditional lenders, making them an excellent option for businesses with less-than-perfect credit or unique financial situations.

Blue Bridge Financial is best for…

Blue Bridge Financial is best for small and medium-sized businesses in industries like construction, manufacturing, medical, and transportation that need quick access to equipment financing with flexible terms.

It’s particularly suitable for companies that may not meet the strict criteria of traditional lenders or those that require fast funding to capitalize on time-sensitive opportunities.

Their willingness to finance both new and used equipment, with no restrictions on equipment age, also makes them an excellent choice for businesses looking to optimize their budget by considering pre-owned equipment options.

Blue Bridge Financial is not for you if…

Blue Bridge Financial may not be the best fit if you’re a very large corporation with complex financing needs that exceed their $500,000 limit.

Additionally, if you’re uncomfortable with providing a personal guarantee or if your business operates in restricted industries or states (such as Alaska, DC, Hawaii, Nevada, North Dakota, Rhode Island, South Dakota, Vermont, or industries like cannabis, cryptocurrency, and gambling), you’ll need to explore other financing options.

How To Apply

Visit the Blue Bridge Financial website and locate their online application form.

Fill out the one-page application with your business details and financing needs.

Submit the application along with any required supporting documents.

Wait for the initial review, which typically occurs within 4 business hours.

If approved, review the terms and conditions offered by Blue Bridge Financial.

Accept the offer and complete any additional paperwork if required.

Receive your funding, potentially as soon as the next business day.

Consider this before applying

Before applying, ensure you have a clear understanding of your equipment needs and how the financing will impact your business’s cash flow.

Be prepared to provide detailed information about your business finances and personal financial information for the required personal guarantee. Also, check that your business doesn’t fall under their restricted industries or states.

Blue Bridge Financial Costs

Blue Bridge Financial’s costs can vary depending on several factors, including your creditworthiness, the type and age of equipment being financed, and the chosen repayment term.

Here’s a general overview of their cost structure:

Cost TypeDetails
Interest Rates5.99% – 25% for A-C Credit Profiles
Origination FeesMay apply, amount not specified
Prepayment PenaltiesNot explicitly mentioned
Late Payment FeesMay apply, amount not specified

It’s important to note that Blue Bridge Financial focuses on providing tailored solutions, so the exact costs can vary significantly from one borrower to another.

They emphasize transparency in their process, so be sure to ask for a detailed breakdown of all costs associated with your specific financing offer.

Frequently Asked Questions About Blue Bridge Financial

Is Blue Bridge Financial legit?

Yes, Blue Bridge Financial is a legitimate equipment financing company. They have been in operation since 2009 and have funded over 9000 businesses with over $600MM in loans.

What types of equipment can I finance with Blue Bridge Financial?

Blue Bridge Financial offers financing for a wide range of essential-use equipment across various industries. However, they do have restrictions on certain types of equipment, including advertising programs, consumer rental automobiles, decompression tables, gas pumps and awnings, hazardous waste equipment, inflatables, irrigation systems, kiosks, prefabricated buildings, servers, software, solar panels, spray tanning booths, trains, vending machines, water coolers, and water filtration units.

How long does the application process take?

The initial application process is quick, with Blue Bridge Financial typically reviewing applications within 4 business hours. If approved, funding can be available as soon as the same day after approval, making it one of the faster options in the equipment financing market.

Does Blue Bridge Financial require a personal guarantee?

Yes, Blue Bridge Financial requires a personal guarantee from business owners 98% of the time. They typically require 51% ownership to personally guarantee the loan.

What if I have less-than-perfect credit?

Blue Bridge Financial has a minimum FICO score requirement of 610, with some exceptions for certain industries. They take a holistic approach to credit evaluation, considering factors beyond just credit scores. This approach can be beneficial for businesses with less-than-perfect credit histories, as long as they meet the minimum requirements.

Is Blue Bridge Financial Right for You?

Blue Bridge Financial stands out in the equipment financing market with its fast application process, flexible terms, and personalized approach to customer service.

Their willingness to finance both new and used equipment without age restrictions, combined with their quick funding capabilities (potentially next-day after approval), makes them an attractive option for small and medium-sized businesses needing to acquire equipment efficiently.

Blue Bridge Financial’s strength lies in its ability to tailor solutions to individual business needs, which can be particularly valuable for companies that may not fit the strict criteria of traditional lenders. Their focus on Equipment Finance Agreements (EFAs) and working capital loans provides flexibility for various business situations.

If you’re a small or medium-sized business owner looking for a responsive and flexible equipment financing partner, and you meet their basic criteria, Blue Bridge Financial is worth considering. Their approach to finding feasible solutions for a wide range of credit profiles could open doors for businesses that might struggle with more rigid lending criteria elsewhere.

However, it’s crucial to carefully review their offers, considering the total cost of financing, and compare with alternatives. While their speed and flexibility are advantageous, the potential for higher interest rates means you should ensure the terms align with your business’s financial capabilities and growth plans.

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