Disclosures
Last updated: May 2026
Important Notice
This page contains important disclosures about Bridgeline Advance products and services. Please read these carefully before applying for a revenue advance or making an investment.
Product Disclosures
What We Offer
Bridgeline Advance provides revenue-based capital advances to qualified businesses. This is not a loan. We purchase a portion of your future receivables at a fixed, agreed-upon price. There is no interest rate, no compounding, and no variable terms. The total amount you repay is fixed and disclosed before you accept the advance.
Fee Schedule
Our fee structure is based on the advance term. The fee is a flat percentage of the advance amount, applied once at the time of funding:
| Product | Amount Range | Term | Flat Fee |
|---|---|---|---|
| Bridgeline Express | $5,000 – $10,000 | 4 – 8 weeks | 6% – 10% |
| Bridgeline Premium | $15,000 – $50,000 | 8 – 26 weeks | 10% – 24% |
| Bridgeline Enterprise | $55,000 – $100,000 | 12 – 52 weeks | 14% – 42% |
Example: A $25,000 advance with a 12-week term at a 14% flat fee means you receive $25,000 and repay a total of $28,500 ($2,375 per week for 12 weeks). There is no compounding — the $3,500 fee is the full cost of the advance.
Repayment Terms
- Payments are collected automatically via bank debit on a weekly or daily schedule as agreed
- There are no prepayment penalties — you may repay the remaining balance early at any time
- Failed payments may result in a returned payment fee (disclosed in your individual advance agreement)
- Continued failure to make payments may result in collection activity and may be reported to credit agencies
No Hidden Fees
There are no application fees, origination fees, or closing costs. The flat fee disclosed at the time of approval is the complete cost of your advance. The only additional charges that may apply are returned payment fees resulting from failed bank debits.
Investor Disclosures
Risk Factors
Investing through Bridgeline Advance involves significant risk. You should carefully consider the following before investing:
- Loss of Capital: You may lose some or all of your invested capital if a Borrower defaults on their advance
- No FDIC Insurance: Investments are not bank deposits and are not insured by the FDIC or any other government agency
- No Guarantee of Returns: Projected returns are estimates based on full and timely repayment. Actual returns may be lower than projected
- Illiquidity: Your capital is committed for the duration of the advance term and cannot be withdrawn early
- Limited Recourse: In the event of a Borrower default, recovery of invested capital is not guaranteed and may involve delays
- Platform Risk: The continued operation of the Platform is not guaranteed. In the event of Platform discontinuation, existing advances will be managed through wind-down procedures
- Concentration Risk: Investing a large portion of your portfolio in a single advance or a small number of advances increases your exposure to individual Borrower default
Investor Returns
Investor returns are generated from a share of the fixed fees charged to Borrowers. The investor return rate varies by advance and is disclosed for each opportunity on the Platform. Returns are paid proportionally as Borrower repayments are received. Late or missed Borrower payments will delay investor distributions.
Tax Obligations
Investment returns may be subject to federal, state, and local income taxes. Bridgeline Advance does not provide tax advice. You are responsible for reporting investment income and should consult a qualified tax professional regarding your tax obligations. We will provide applicable tax documentation (such as Form 1099) as required by law.
Suitability
Revenue advance investments are suitable only for investors who can bear the risk of loss and illiquidity. You should not invest funds that you may need for near-term expenses or that you cannot afford to lose. We recommend diversifying your investments across multiple advances and maintaining a balanced overall portfolio.
General Disclosures
Bank Verification
We use Plaid Inc. to verify bank account ownership and analyze financial data as part of our underwriting process. When you connect your bank account, Plaid accesses your account information on our behalf. Your bank credentials are never stored on our servers — they are handled entirely by Plaid's secure infrastructure. You can learn more about how Plaid handles your data in their End User Privacy Policy.
AI Assistant
Brooklyn, our AI-powered assistant, provides general information and navigational help. Brooklyn does not provide financial, legal, or investment advice. Any information provided by Brooklyn should not be relied upon as a substitute for professional advice. Always review the terms of any advance or investment opportunity carefully before making a decision.
Forward-Looking Statements
Certain information on the Platform may contain forward-looking statements, including projected returns, growth estimates, and market analyses. These statements are based on current expectations and involve risks and uncertainties. Actual results may differ materially from those projected.
Contact
For questions about these disclosures, contact us at:
Bridgeline Advance
Email: support@bridgelineadvance.com
Buffalo, New York