Business loan alternative

Choose Raistone To Avoid Debt With Bluevine

Raistone helps businesses of all sizes gain access to a versatile, flexible and affordable financing solution. Early pay from Raistone allows companies to get paid now for invoices due at a later date without taking on debt or burning through your credit capacity.  

 

  

Why choose Raistone over BlueVine?

In-house. Raistone’s financing platform is all 100% internal and custom built for you. BlueVine outsources receivables financing, equaling more red-tape, higher fees and less transparency when compared to completing your financial journey all on Raistone’s website.

Non-debt. Customers will incur zero debt at Raistone. Financing at Raistone is non-recourse, meaning we absorb fiscal responsibility for insolvent debtors. BlueVine limits you to $500K and will burden you with a minimum interest rate of 7.8% for top qualifying customers.

Accessible. Virtually any company can use Raistone to finance their invoices. Companies that want to work with BlueVine must fulfill numerous qualifications, such as having a minimum 100k in outstanding receivables, having invoices for completed work only, or not being in the real estate or construction sectors.

Free up more cashflow. Raistone offers complete financing of up to 100% of your invoice, regardless of net terms, at a low and dynamic rate. BlueVine’s rate for financing invoices N61+ is 8.25%.

Ready to achieve your working capital goals?

Raistone is equalizing access to working capital for businesses of all sizes through our easily implemented solutions. As the world’s largest business-to-business embedded finance provider, we are uniquely positioned to help your business leverage the power of your receivables.  

 

Raistone is an award winning fintech backed by a full-service broker dealer, a $30 billion family office, a $900 billion wealth manager, and an international bank.

 

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How it works

Day 1

You request payment

Day 2-3

Raistone advances payment to you

Day 30*

Your customer remits payment to Raistone

*Actual number of days may vary

Raistone works with the very same platforms and ERPs you already use

Raistone technology is embedded natively within major platforms and ERPs, allowing businesses to access or offer advance invoice payment without disrupting existing processes and workflow.

Learn more about Raistone integrations

Experts agree — Raistone is an innovative industry leader

Raistone Connect API Wins Gold in 2024 Juniper Research Fintech Innovation Awards
The company’s proprietary technology simplifies working capital access for millions of users, empowering business of all sizes with essential financial solutions and altering the landscape of B2B payments.
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Raistone Named “Trade Finance Platform of the Year” by FDI Insider
The FDI Insider Awards honor companies that exemplify excellence and innovation in their fields. This year they recognized Raistone as a leading platform.
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Raistone Shortlisted at the 2024 RFIx Awards for “Most Innovative Fintech of the Year”
Raistone is honored to be recognized by the 2024 RFIx Awards for our fintech solutions, which have ranked among “Most Innovative.”
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Raistone Recognized as “Best Non-Bank Trade Finance Provider” by Global Trade Review
The GTR Leaders in Trade awards highlight excellence in the trade, commodity, supply chain, and export finance and fintech markets.
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Raistone Wins “Best Collaboration/Alliance Initiative” at 2023 American Financial Technology Awards
Raistone is honored to be named a winner in the 2023 American Financial Technology Awards for its relationships with major platform partners. Raistone partnerships and collaborations — coupled with technological innovation — allow mid-market businesses to access a reliable source of funding.
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Raistone Ranked 43rd Fastest Growing Company in America on Deloitte Technology Fast 500™
Award reflects 2x year-over-year growth at Raistone for sixth straight time. Raistone, the top provider of embedded finance for businesses, today announced it ranked No. 43 on the 2023 Deloitte Technology Fast 500™.
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Raistone Chief Executive Officer Dave Skirzenski Named a Visionary CEO in the 2024 Banking Tech Awards USA
For the second year in a row, Dave Skirzenski has been recognized as a tech leader in the Banking Tech Awards USA.
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Raistone Shortlisted at 2023 Banking Tech Awards for “Best Embedded Finance System”
Raistone is honored to be recognized by Fintech Futures in this year’s Banking Tech Awards in the “Best Embedded Finance System” category. This category recognizes software and services providers for embedded finance platforms. 
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Raistone Chief Executive Officer David Skirzenski recognized as Tech Leader by Fintech Futures
Raistone Chief Executive David Skirzenski has been named a Tech Leader by Fintech Futures, shortlisting him in both the PayTech Awards USA and the Banking Tech Awards, which demonstrate innovation and leadership in the payment technology and banking sector.
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Raistone Wins Gold in 2023 Merit Awards for Technology 
Raistone is honored to be named a gold winner in the “FinTech – Capital Finance” category in the 2023 Merit Awards. Through innovative technology and a growing number of partnerships, Raistone has been able to provide access to the working capital to a broader range of businesses.
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Fintech Futures Recognizes Raistone for “Best Use of Tech in Business Payments”
Raistone has been shortlisted for the PayTech Awards USA in the category “Best Use of Tech in Business Payments” for its proprietary cloud-based receivables and supply chain finance platform that offer a range of products embedded within existing business platforms, permitting quicker payments and operational ease.
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Raistone Again Named ABF Journal’s “Most Innovative Company”
For the third year straight, Raistone has been named one of ABF Journal’s “Most Innovative Companies,” recognizing our continued success within the specialty finance industry, particularly in expanding the reach of our services to new clients and platforms.
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Global Trade Review Again Recognizes Raistone as Leader in Supply Chain Finance
The GTR Leaders in Trade awards highlight excellence in the trade, commodity, supply chain and export finance and fintech markets.
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Raistone Named “Best Fintech Platform for Businesses” by PAN Finance
Raistone is honored to be named Best Fintech Platform for Business by PAN Finance. 
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Raistone Named “Best Trade Finance Provider — Non-Bank” by Global Finance Magazine
Raistone is proud to have been selected as the “Best Trade Finance Provider — Non-Bank” by Global Finance Magazine.
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“Without Raistone backing Shamrock, I would not have the confidence to pursue the growth goals we have set.”
Kevin O’Shea CEO at Shamrock Electric Co., Inc.
“By utilizing Raistone, our company has been able to grow faster, hire more people, and retain more employees based on being able to pay them in a very timely manner.”
Bennett Coughlan President of SolarFlow
“Because of what Raistone was able to provide us, in the second year of working with them, we actually doubled our sales.”
Tommy Lam President at Boujee LLC
View all case studies