Choosing a business banking platform that powers growth
Your business platform is more than where your money sits; it’s how you operate, optimize, and scale. Whether you’re a solo entrepreneur or leading a multi-member LLC, choosing the right financial infrastructure can streamline operations, strengthen stability, and unlock long-term value.
Lili and Bluevine are both modern business banking solutions, but their approaches are distinct.
- Lili is a unified financial platform that brings together banking, high‑yield savings, invoicing, bookkeeping, tax tools, and credit‑building so small business owners can manage their money and build their future from one place.
- Bluevine offers a streamlined business banking experience with high-yield checking, sub-accounts, advanced payment capabilities, and access to credit solutions, including lines of credit and term loans.
This guide compares key differentiators across platform capabilities, savings potential (APY), credit-building tools, invoicing features, international payments, and support—so you can choose the solution that fits your business best.
What is Lili?
Lili is a unified business finance platform built for small businesses, entrepreneurs, and growing teams. It combines banking, savings, invoicing, bill pay, bookkeeping, tax tools, reporting, credit-building, and international wires into one platform — removing the need to manage multiple apps and subscriptions.
Lili offers high-yield savings with 2.50% APY on balances up to $500,000 and 4.00% APY on balances from $500,000 to $1,000,000 (available to Pro, Smart, and Premium accounts). Lili also includes BusinessBuild, a secured credit program that reports to Dun & Bradstreet.
With integrated tools across the full financial workflow, Lili helps business owners streamline operations, gain clarity, and build long-term financial health.
What is Bluevine?
Bluevine is a business banking platform focused on high-yield checking, sub-account budgeting, and modern payment operations. It offers a powerful checking account, ACH, wires, international payments, built-in invoicing, AP automation, and business debit cards — including team card controls and role-based access.
Bluevine provides strong APY options through three checking plans:
- Standard: 1.3% APY on balances up to $250K (with activity requirements)
- Plus: 2.0% APY on balances up to $250K
- Premier: 3.25% APY on balances up to $3M
These plans also include fee waivers and additional features depending on the tier.
Bluevine is ideal for businesses that want advanced cash-flow tools, sub-accounts, and payment infrastructure.
Differences between Lili and Bluevine
Lili
A complete financial operating system including banking, savings, invoicing, bill pay, bookkeeping, tax tools, and reporting — built in. Ideal for owners who want everything in one place.
Bluevine
A powerful banking and payments platform optimized for ACH, wires, international payments, sub-accounts, invoicing, and AP automation. Great for teams with complex cash-flow needs.
Lili vs. Bluevine: Comparison Chart
| Feature | Lili | Bluevine |
| Type of businesses served | Small businesses, LLCs, startups, teams, and global entrepreneurs with U.S.-based businesses. | Small businesses, LLCs, startups, teams |
| Checking accounts | 1 primary checking account | 1 primary checking + up to 20 sub-accounts (plan-dependent) |
| Savings with APY | ✅ 2.50% APY up to $500K, 4.00% APY from $500K–$1M (Pro/Smart/Premium) | ✅ 1.3%–3.25% APY depending on plan |
| No hidden fees | ✅ | ✅ |
| No minimum balance | ✅ | ✅ |
| No overdraft fees | ✅ | ✅ |
| Mobile check deposits | 80% of checks disbursed same day, others between 1-5 business days | Standard processing |
| Debit cards | Physical and virtual debit cards to all authorized business owners. | Multiple physical and virtual cards for team members |
| Team access & permissions | ✅ (Granular role-based permissions for internal & external users) | ✅ (Granular role-based permissions for internal & external users) |
| Invoicing | ✅ Built-in invoicing with tracking & reminders and payment links | ✅ Built-in invoicing + payment links |
| Bill pay / AP automation | ✅ Full AP automation with approvals, scheduling & tracking | Full AP automation with approvals, scheduling & tracking |
| Auto-categorization | ✅ (Smart Bookkeeping) | ❌ Via accounting integrations |
| Real-time reporting | ✅ (In-app P&L, cash flow, insights) | ❌ Requires integrations (QuickBooks, Xero) |
| Tax tools | Built-in tax prep, pre-filled forms | ❌ Requires integrations |
| Credit-building | ✅ (BusinessBuild Card reporting to D&B) | ❌ |
| International wires | ✅ Send and receive payments in 130+ currencies across 30+ countries. | ✅ Send money abroad via partners + receive international wires in USD |
| Customer support | 7-day live support via email, extended business hours for phone + 24/7 AI | Phone, email & chat during business hours (Mon–Fri, 8am–8pm ET) |
| FDIC insurance | Up to $3M | Up to $3M |
| App integrations | ✅ Built-in tools + QuickBooks, Xero, Gusto, etc. | ✅ QuickBooks, Xero, Gusto, etc. |
| Trustpilot | 4.7 | 4.5 |
Platform & Tools
Lili is a complete financial operating system including banking, savings, invoicing, bill pay, bookkeeping, tax tools, and reporting — built in. Ideal for owners who want everything in one place.
Bluevine is a powerful banking and payments platform optimized for ACH, wires, international payments, sub-accounts, invoicing, and AP automation. Great for teams with complex cash-flow needs.
APY & Savings
Lili
- 2.50% APY on balances up to $500,000
- 4.00% APY on balances $500,000–$1,000,000
- Available to Pro, Smart, and Premium plans
Bluevine
- 1.3% APY (Standard plan, with activity requirements)
- 2.0% APY (Plus plan)
- 3.25% APY (Premier plan, up to $3M)
Support
Lili
Email: 7 days a week (Mon–Fri 9am–8pm, Sat–Sun 9am–6pm)
Phone: Mon–Fri, 9am–8pm EST
24/7 in-app AI chat
Bluevine
Phone, email, and chat: Mon–Fri, 8am–8pm ET
Credit & BusinessBuild
Lili
Includes a secured BusinessBuild Card that reports to Dun & Bradstreet and a credit dashboard for real-time insights.
Bluevine
Does not offer credit-building tools.
Lili vs. Bluevine: Which Is Better?
Choose Lili if you want an all-in-one platform with integrated savings, credit-building, tax, bookkeeping, invoicing, and reporting — all included without needing extra software.
Choose Bluevine if your priority is advanced payment operations, AP automation, sub-accounts, and high-APY checking with team debit cards.
Both are strong platforms, but they serve slightly different needs.
If you want one platform to save, operate, manage, and build your business —
Lili is the clear choice.
