Bluewater LendingReviews of bluewaterlending.co

Response from Bluewater LendingMay 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

Response from Bluewater LendingOct 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

Response from Bluewater LendingJul 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

Response from Bluewater LendingJul 22, 2025

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.