Honesty, pricing, process and quality scores appear once 5 customers have rated them.
About Bluewater Lending
Funding Made Simple.Bluewater Lending is your one-stop shop for financial improvement solutions. Whether you seek funding for a startup, established business, or an even larger project, we’ll help you raise money efficiently and quickly. Unsecured Revolving lines of credit at prime rate, & business credit cards at 0% interest for 12-18 month term.We enhance the business credit card through our liquidation process that turns credit into cash.
Bluewater Lending (bluewaterlending.co) has 21 customer reviews on The Fair Hearing, with an average rating of 3.5 out of 5.
they say 100k in funding so long as you comply with all their guidance. i did my part! they did not... my original funding acct manager got me 60k in funding in span of 3 months...it was smooth in the beginning, but he left the company shortly after that 60k and then bluewater kept getting me denials over and over in the span of like 4-5 months.. i was confused thinking why all the denials and when am i going to start actually getting approved again? because no one was helping me, (not my new "funding account manager" ...which happen to be an overseas filipino worker who had no experience in business funding , not even the self entitled RUDE owner of the company) i had to do my own research and found out what i had to fix on my credit in order to get back on track. that took me a few weeks to figure out and fix. when i came back ready, they were no where to be found!!! none of my daily texts or weekly emails were being responded to. all unanswered. until a month later they reply with "WE ARE NOW SCHEDULED TO COME BACK FROM OUR SUMMER BREAK" like what?!!!! i paid over 5,000$$$ to be ghosted, disrespected and treated like a beggar. im good. no where in the agreement did it say you could ghost your client for months and it especially did not say the company takes a summer break! meanwhile im out trying not to let my business regres. im def looking into reimbursement.
By Gia A.
BLUEWATER LENDING IS A SCAM
I worked with Bluewater lending in 2025, and on-boarding was straightforward. They fixed my credit and opened 2 business cards with 0% financing. I paid half of the cost up-front. The promise was once they get me to100k at 0% I pay the other half. They got me to 19k. Then I had to travel out of the country for work, and when I got back I could get ahold of anyone. Fast forward to May 2026 they reach out to me and said they will continue to help me but need the second half payment or they are going to send a collection agent to me which would tank my credit. I paid, and a few texts later they went MIA again. DO NOT DO BUSINESS WITH THEM!
By Jake H.
As of today
As of today, I can only rate my experience as 1-Star primarily because I can not get anyone to answer the phone or reply to an email. Apparently the rep I signed on with is no longer there and after paying a pretty substantial fee, now I'm left ignored with no way of reaching anyone.
Their address in San Diego is basically a PO Box at an office Bldg but no Bluewater Office.
By Tom S.
Full of morons
Full of morons. Tanish your credit score and wont get nothing done.
By perfect M.
Total scam
Total scam, don't waste your time, don't give them any of your financial info, don't trust them, don't tank your credit.
By Joshua S.
Response from Bluewater Lending· May 8, 2026
Joshua, we’re disappointed to see this review, as it doesn’t reflect what actually happened and we have the full text and email record to prove it. (Attached a the bottom of this answer)
Our agreement contains two non-interference clauses every client acknowledges before we begin: no new credit applications during the funding process, and keep credit card utilization below 30%. Both exist because these actions directly damage the credit profile we’re positioning for approval and we explain this verbally and in writing before any work starts.
Here is what actually happened:
1. We gave you a sequence of 4 banks to apply to. You only completed 2 of them.
2. During the process, once you got denied we got the reasons of the denials from our bankers saying that was due to recent credit applications. Initially we didn’t even knew why, because we’ve cleaned up your credit before applying, and we soon found out once we checked again your credit that you applied for leasing a vehicle , which generated a new hard inquiry. You confirmed this to our team in writing…and this doesn’t stop here.
Your credit card utilization climbed above 30%, which you also acknowledged.
You told us you needed 2–3 months to “let things settle” and would return once your profile was cleaned up and with lower usage.
When you came back after 2 months saying “what are the next steps currently?”, our review of your credit showed additional new inquiries had been added during that window — meaning the breach continued, not stopped.
Both denials you reference (Chase and UMB) happened after these breaches, and the bankers themselves cited recent credit activity as a factor.
We didn’t “give up.” We explained, repeatedly and in writing, that every new inquiry and every utilization spike forces our team to spend additional hours realigning a profile you were actively working against. At a certain point, the math on your file no longer worked — not because of our effort, but because of choices you made that violated the agreement you signed and not collaborating.
Calling this a “scam” is not accurate, and we believe future readers deserve the full picture rather than a one-sided account that omits the breaches and the written warnings you received before, during, and after each one.
For anyone reading this and wondering, here is the full conversation history showing our team’s professionalism and Joshua’s own acknowledgments of every issue described above:
https://drive.google.com/drive/folders/1MNJ_IeHZM8gG94AjfbauYO-2dz921F8C
We wish you the best moving forward.
— Matt
CEO
Would you please explain how this works…
Would you please explain how this works and how the value you bring is renumerated? I have so many questions.. How is this not a hard money loan for the type of credit you are offering. It all seems very unconventional. If you are delivering like you claim bravo!
By Nathaniel H.
Response from Bluewater Lending· Nov 25, 2025
Hey Nathaniel!
Appreciate you asking but this isn’t the right channel to get detailed answers ahah 😄
Here’s the quick version though:
This is NOT a hard money loan
We don’t touch those.
We help qualified business owners access 0% APR unsecured business credit through major U.S. banks. No collateral, no revenue requirements.
How we’re compensated
Simple: a one-time service fee.
No percentages on your credit lines, no monthly payments, no interest spread, nothing hidden.
If you want the full breakdown, just reach out to our team:
📩 [email protected]
Or book a call here:
🌐 www.bluewaterlending.co
Happy to walk you through everything step-by-step!
Waste of time and spammers
Waste of time and spammers, better stay away, can’t be trusted.
By Sam S.
Response from Bluewater Lending· Oct 3, 2025
Sam, thank you for sharing your experience — we take all feedback seriously and would like to clarify the facts with full transparency.
You can review our documented evidence here:
🔗 https://docs.google.com/presentation/d/1qgAmkj8Bri_eYMn5JF6aLhl-8v1zDR4Z5kIoZla3EoA/edit?usp=sharing
What Actually Happened
1️⃣ You booked a call with us to discuss 0% interest business funding.
2️⃣ We sent a single confirmation text asking for a simple “YES” to verify authenticity and prevent fake bookings (we do this to protect our calendar from bots).
3️⃣ Two hours after your “YES” confirmation, we placed only one phone call — our standard 5-minute pre-Zoom audit, as part of our normal process.
4️⃣ You didn’t answer the call and immediately texted back expressing frustration about the pre-Zoom step and requested to cancel the meeting.
5️⃣ We immediately honored your request, canceled the appointment, and did not contact you again.
Later, we discovered your public review labeling us as “spammers.”
Why We Require the Pre-Zoom Step
This 5-minute pre-call is designed to:
Verify your eligibility upfront
Prevent spending 45 minutes on a strategy call that may not yield results
Protect your time and ensure your Zoom session is fully productive
It’s similar to a mechanic diagnosing a car before beginning any repairs.
The last thing we want is for you to block off 45 minutes on your calendar only to hear, “Sorry, we can’t help.”
Regarding Your Claim of “Spamming”
Calling us “spammers” is factually incorrect.
We contacted you only once, canceled the call when you objected, and never followed up again.
Any implication otherwise does not reflect the facts or our conduct.
We pride ourselves on transparency, ethical business practices, and compliance.
We’ve operated in this industry for 4–5 years without a single verified negative review coming from customers.
The slides linked above (or below) include timestamps, call logs, and communication records that fully corroborate our version of events.
If you’d like to discuss this further or address any specific concerns, we’re open to doing so in a respectful, fact-based manner.
Thank you,
The Bluewater Lending Team
📎 Evidence Link (again for reference):
https://docs.google.com/presentation/d/1qgAmkj8Bri_eYMn5JF6aLhl-8v1zDR4Z5kIoZla3EoA/edit?usp=sharing
Advertising is misleading...not cash lending
They are not clear that what they are offering is credit cards...if you want cash lending that comes with a 3-6% fee plus their fee to help you get this. So if you want business credit cards that is what they are selling not actual cash lending...frustrating when you ask all of this before you waste your time and give them your information, which I prefer they don't have any of to be honest. Edit - I get the CEO is frustrated by my review. I don't doubt they are solid for what they do but they should be more clear about the type of "lending" the are offering and I felt it was right to share this experience. Now their review response can provide the details others may need before the proceed. I would have liked this information provided more point blank and I couldn't get it despite looking for several days before setting up the call, which was a very complicated process filled with warnings about being permanently terminated from using them if you did not jump through all their hoops when the set out those hoops. Great attempt at transparency with one minor flaw, not being clear the only lending offered at the advertised description is for credit cards. Oh and lines of credit are often not credit cards but actual cash you can collect so yea I was fine with that. I have a HELOC, a line of credit and guess what its cash access...so that is why I said that was fine on that question. Yes I mentioned loans when we spoke because I have a loan option through someone else. I did not only want loan I was fine with a line of credit that provided cash access. Their representative on the confirmatory call told me they could work with a third party to convert the credit to cash but that would be at a rate of 3-6% so before attacking my honest review why don't you review the call recording so you can correct your employees on that statement if is not true. Oh and Yelp is a joke and it says a lot about a company who starts to stalk the customers who simply, and very politely state their concerns. I only wrote this review because of the refusal to see it from a customer side. Wanna see my real yelp reviews go into the not recommended reviews category. That is where yelp stashes legit reviews when biz refuse to advertise with them after they harass them endlessley. I could do what other's do an have 3 friends get on here and write negative reviews, because our negative reivews are usually due to vengeful folks ganging up. There are 23 5 star reviews hidden and 1 4 star hidden. Oh and for a lending company you should be better at math 10 of the 30 reviews they didn't hide are 1 star, not 60%. Of those 1/2 were written by the same 3 familes and their friends. 4.7 rating on google with nearly 850 reviews is the reality. Your handling of this situation has made me decide to downgrade this rating. Before I was trying to be neutral and share point concerns but you personal attacks for simply advising you be more clear you don't offer cash lending of any kind is the best advertising practicing. I didn't call you a scam I didn't insult you. I didn't tell everyone not to use you.
By LD
Response from Bluewater Lending· Jul 22, 2025
Ah, Linsey, funny seeing you here just 30 minutes after our last conversation.
Amazing how fast things escalate when someone hears the truth… and refuses to accept it. 🙂
Normally, we don’t go back and forth on public reviews, but when a narrative distorts the facts, the full story deserves to be seen.
Here’s what really happened:
Linsey booked a call through our website, like every prospect. She filled out a 17+ question intake form, including a clear statement in Question #13:
“We only offer 0% APR business credit cards and business lines of credit.
NOTE: We don’t offer SBA loans, term loans, or traditional financing products.
Not interested? LEAVE THIS PAGE.”
Her response, “Yes, that’s exactly what I need.”
You can verify the form here: https://bluewaterlending.typeform.com/website
Had she answered “No,” our system would’ve instantly disqualified her. She wouldn’t have been allowed to book.
No time gets wasted, not hers, not ours.
So from step one, we were 100% transparent.
After booking, Linsey reached out via chat, asking about “cash lending,” referencing loans, and comparing us to banks. Her tone escalated, so our team flagged the case, and I (Matt, CEO) stepped in to clarify.
Here’s what I explained:
0% APR business credit (12–18 months),
Business lines of credit for qualified businesses,
Convertible to cash via vendors (no cash advance fees),
Flat fee only — no percentages of funding.
No loans. Ever.
Despite that, she claimed we offer loans and charge 3–6%, a number that doesn’t exist anywhere in our process. (Still not sure where she got it.)
After we sent her a screenshot of her intake response, she stopped replying and shifted to referencing a Facebook comment, claiming it was “proof” of misleading ads.
So we published a Google Drive folder with:
The exact comment she referenced, which clearly says this isn’t a loan and we charge a flat fee,
Her intake form response confirming understanding,
Our full chat log, proving she had every opportunity to ask questions, and didn’t.
She didn’t walk away. Instead, she posted a public review contradicting her own answers and the facts.
We’re not here to argue emotions. We provide transparent, ethical funding.
Our ads say “0% Interest Business Funding.”
Not loans. Not grants. Not personal lending.
To avoid confusion, we even do a mandatory pre-Zoom call to confirm expectations, so no time gets wasted on misaligned leads.
We’ve helped hundreds of business owners access $50K–$150K in 0% business credit, and kept a spotless record by being clear, selective, and honest. (Our reviews prove it.)
This review simply doesn’t reflect reality, and the evidence proves it.
Our website, ads, FAQs, and case studies all explain business credit cards. We don’t hide anything, because there’s nothing to hide.
📁 Proof of our site explaining business credit cards:
https://bluewaterlending.co/ (first video = me explaining it)
https://bluewaterlending.co/faqs
https://bluewaterlending.co/testimonials
And here’s the Google Drive folder with all receipts: Linsey’s form, chat, ad comments, Q13 intake proof, and more:
https://drive.google.com/drive/folders/13UOIN81oin4mJg1e_W0sXgIaMlf2C5hb?usp=sharing
Linsey, we get it, some days are harder than others. But misrepresenting facts out of frustration isn’t okay.
We’ll report this to Trustpilot.
P.S. Sad to see a fellow business owner leave a false review rather than take accountability.
I genuinely hope you focus more on improving your own business instead of falsely attacking others.
We’ve had zero negative reviews in 3 years.
Meanwhile, your Yelp page shows over 60% 1-star reviews.
Sometimes, it’s better to look inward before pointing fingers.
And yes, be okay that your information will be deleted :)
— Matt, CEO
