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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.
402 West Broadway Suite #400, 92101, San Diego, Verenigde Staten
3,5
19 reviews
Heeft 100% van zijn negatieve reviews beantwoord
Reageert doorgaans binnen 24 uur
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Professional, honest, and results-driven. Bluewater helped me unlock a line of credit with no collateral, allowing my business to scale without financial stress. Couldn’t be happier with their service!
I had some doubts at first, but the Bluewater team made everything simple. Got approved fast, no collateral, and their support was professional and responsive. Truly top-notch service.
Amazing experience! Bluewater helped me access 0% interest business funding quickly. The process was clear, and the team guided me every step of the way. Highly recommend!
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!
Antwoord van Bluewater Lending
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:
📩 support@bluewaterlending.co
Or book a call here:
🌐 www.bluewaterlending.co
Happy to walk you through everything step-by-step!
Waste of time and spammers, better stay away, can’t be trusted.
Antwoord van Bluewater Lending
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
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.
Antwoord van Bluewater Lending
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
Scam operation, took our $500 deposit and never followed through
Antwoord van Bluewater Lending
Normally, we let our work and client results speak for themselves, but when someone fabricates a lie under a fake name, silence is not an option.
This review was submitted under the name “Edgar Morales.” In reality, this is a fake identity created by an individual we identified as Jeff Wheeler, who falsely claimed we took a $500 deposit and failed to deliver.
After a full audit of our CRM, our payment processor, and internal records, we confirmed that no such client exists, and no payment was ever received under that name. But based on the timing and the message trail, we matched it to Jeff.
He booked a call like any prospect. As part of our process, we asked for a simple verification step, standard protocol to confirm authenticity and avoid bots or spam and wasted slots on our calendar.
Instead of verifying, he responded with profanity, insulted our team, mocked our process, and refused to follow basic steps. Despite that, we remained professional and explained why the step was required.
When it became clear we couldn't continue respectfully, we cancelled the appointment and disqualified him from moving forward.
He then threatened to leave a negative review.
30 minutes later, this fake review appeared.
This review is not legitimate. The identity used does not exist in our system, and the claim is not based on any actual client experience.
To maintain transparency, we’ve published a public video breaking down the entire situation — including:
A CRM search proving “Edgar Morales” is not in our database
Conversation of Jeff Wheeler’s aggressive and disrespectful messages (censuring personal info)
Documented timestamps of his review threats, proving the review's intent
A full screen-recording of our merchant account, showing how we issue refunds when we can’t deliver (you’ll see dozens done every month)
The fact that he was never granted a consultation, not even a free Zoom call
This is a false defamation attempt, and we’re setting the record straight. In fact, we’re one of the few companies that disqualifies leads before they pay if we know we can't deliver.
🎥 HERE’S THE VIDEO WITH PROOF & BREAKDOWN:
https://www.loom.com/share/1836c0ad2a7d40728eab621000aed8f9?sid=5afb5ce9-12b8-4eed-b12a-4a4e9ac0ec1a
📁 HERE’S THE GOOGLE DRIVE FOLDER WITH SCREENSHOTS &
EVIDENCE:
https://drive.google.com/drive/folders/1f7p31R-YPvBvb9PRZMj9j8mdasVIF2fm?usp=sharing
(All sensitive info blurred for privacy. The facts speak for themselves.)
For business owners reading this:
We’ve helped hundreds of clients secure 0% APR business funding. The reason we’ve had zero bad reviews until now is simple:
✅ We don’t charge if we can’t help
✅ We refund if something prevents us from delivering
✅ We only work with people we can confidently serve, and we’re upfront about that from day one
We’re proud of our process. We protect our people. And we don’t stay quiet when someone uses a fake name to try to smear our reputation out of ego.
This wasn’t a real client. This came from someone who couldn’t handle a polite “no” — and chose dishonesty over professionalism.
If you’re a serious entrepreneur who wants results and is committed to respect, we’re here to help.
If not, we wish you the best elsewhere.
Matt Stine, CEO – Bluewater Lending
P.S: Dear Jeff Wheeler, if you’re reading this, know that we are initiating legal action for defamation, false accusations, and the use of a fake identity to damage our business.
This matter is now in the hands of our legal counsel. Your review violates Trustpilot’s policies and FTC guidelines. We will be reporting this accordingly.
You have 24 hours to remove this fabricated review before we escalate further.
We don’t take this lightly. People who weaponize false reviews must be held accountable , and we will make sure of it.
We will defend our truth. We will protect our team. And we will pursue justice to the fullest extent.
I visited the bluewater Superdrug over the weekend and I found myself being absolutely delighted by Muskan! She helped me find a shade in the elf concealers and told me about the 3 for 2 deal. I spent quite a while on the makeup isle and she was always smiling offering assistance when I was confused on a product (which was quite a lot!). What a darling girl! Will definitely visit again.
Antwoord van Bluewater Lending
Hi there! It looks like your review was meant for a different Bluewater location, as we specialize in business funding services. So i'm quite sure you wrong profile on Trustpilot. You can always remove this review. However, we’re glad you had a great experience! Please feel free to share your review on the Superdrug location’s page so Muskan receives the recognition she deserves. Thanks, and all the best!
Antwoord van Bluewater Lending
Isaiah, we appreciate your feedback. This helps and means a lot for us.
At the beginning i was nervous but Sarah talked me through the process and everything came good .Thanks
Antwoord van Bluewater Lending
Thank you Luis!
This means a lot for us.
Jared and his team at bluewater are top notch! Super professional and walked me through my business funding process every step of the way. I have been on personal phone calls with Jared and several of his team for funding and other projects. Will be doing business with this company many more times. Can’t wait to see what other services and products they offer in the future.
Antwoord van Bluewater Lending
Appreciate you!
We're glad we've been able to help you!
My account Manager Adrian was great, Professional and did EXCALTY WHAT HE SAID HE WAS GOING TO DO KEPT ME INFORM AS TO WHAT WAS GOING ON BLUEWATER IS THE TRUTH IF YOU WANT YOUR BUSINESS TO GROW PLEASE JOIN THEM
Antwoord van Bluewater Lending
Thank you MARIO!
I am a very busy person so I don't have the time and experience required to do what this company has done for me. They help guide you to improve your FICO score and get the funding you need. The staff at Bluewater work hard for you so you don't have to, and they do a fantastic job! I highly recommend them.
Antwoord van Bluewater Lending
That's Very great hear that from you Kevin!!
Great communication and fast responses- accomplished everything I needed. Was a pleasure working with Lamar
Antwoord van Bluewater Lending
We appreciate your glowing review and look forward to continuing to support your business in the future!!
Trey is very knowledgeable and is able to help you with all the questions and concerns you may have with an pleasant customer experience
Antwoord van Bluewater Lending
Glad to hear that!!
I worked with Alonzo, I had a great experience. He helped me out as much as he could and he was very prompt. Would highly recommend working with Alonzo.
Antwoord van Bluewater Lending
Thank you for choosing Bluewater!
Chris was phenomenal! Easy process as well! Chris communicated well and was consistent. He gave me clear instructions on how to maximize potential funding. I highly recommend. Got 60k from Chase and 80k from BOA + US bank
Antwoord van Bluewater Lending
$140k at 0% Business Funding!!!
That's what we like to hearrr
My experience working with Blueawter was great. Andrew was the consummate professional and took great care to guide me through the process step-by-step. He assisted me in securing $130K in funding to pay off some debt and help keep my wife’s business going. He patiently listened to my demands and assisted me in finding the precise funds I needed.
Antwoord van Bluewater Lending
Let's get you at $300k!!
Jared was very professional, knowledgeable, and prompt with client communication. His attention to detail and expertise ensured that my business was able to secure the resources we needed to grow my business. I can't recommend them highly enough! Thank you, Jared. N.1
Antwoord van Bluewater Lending
Hey Terrance, thank you!!!
Appreciate that. We're glad you've been feeling good to work with us!
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