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Grow with a business line of credit.

Get instant funding with rates as low as 1% monthly for qualifying customers. Apply with no impact to your creadit score.
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$500M+

working capital delivered
Join the growing community of  10K+ businesses across the U.S. we’ve helped access the funding solutions they need.

Quick, easy access to a business line of credit.

Instant access to funds

Get instant access to approved draws.

Credit lines up to $250K

Apply for credit lines up to $250,000, with rates as low as 1% monthly for qualifying customers and no maintenance fees.

Access to ongoing capital

Draw funds when you need to cover big expenses, improve cash flow, and take advantage of growth opportunities — and only pay for what you use.

Use your line to build business credit.

A Bluevine Line of Credit may help set your business up for growth. We report your repayment history to Experian, so you can improve your business credit score for future financing opportunities with consistent, on-time repayments.
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Get started with your line of credit.

Apply online in minutes.

Complete an application to be considered for business financing—with no impact to your personal credit score.

Get a fast decision.

Your application will be reviewed by our team for approval in as quickly as 24 hours.

Review your offer.

If eligible, you’ll receive an offer or we’ll reach out to discuss your financing options.

Expert support when you need it.

The personalized support you need is just a message or phone call away, with real people ready to help.

Line of credit FAQs

How can I get a line of credit through Bluevine?
A business line of credit gives you access to funding when you want it, up to your credit limit. Unlike traditional one-time loans, a Bluevine Line of Credit is “revolving credit,” meaning your available credit replenishes as you make repayments, so you can draw additional funds without having to fully re-apply. Though, all draws are subject to review and approval.

Once approved for a credit line, you can request funds directly from your Bluevine dashboard. We’ll deposit funds in your account as soon as a few hours, pending review and approval.

Depending on which repayment plan you qualified for, we’ll automatically debit your account for weekly or monthly repayments. As you pay off your balance, the amount of available credit you can request automatically replenishes.

3-month line of credit
With the three-month repayment plan, you’ll repay your Bluevine Line of Credit draws in weekly installments over 12 weeks. This plan is only available to current Bluevine Business Checking customers.

6-month line of credit
With the six-month repayment plan, you’ll repay your Bluevine Line of Credit draws in weekly installments over 26 weeks.

12-month line of credit
With the 12-month repayment plan, you’ll repay your Bluevine Line of Credit draws in monthly installments over 12 months.

While being a Bluevine Business Checking customer is not required to apply for a line of credit, if you open a business checking account with us before applying for a line of credit, you’ll be considered for all three repayment plans—including the 3-month, 6-month, and 12-month Bluevine Line of Credit. The 3-month plan is available exclusively to current Bluevine checking customers.

If you are already a Bluevine Business Checking customer, sign in and start your application right from your dashboard.

You can apply for a Bluevine Line of Credit on our website. We’ll ask you for some basic information about you and your business. Once your application is submitted, you could get a decision in as little as five minutes.

Just make sure you meet these minimum qualifications:

For the 3-month repayment plan

  • Active Bluevine Business Checking account
  • $50,000 in annual revenue
  • 625+ personal FICO score
  • In business for 6+ months
  • Corporation or LLC
  • No bankruptcies in the past year
  • In good standing with your Secretary of State
  • Business is operating or incorporated in an eligible U.S. state
    • Ineligible states include: Nevada, North Dakota, South Dakota

For the 6-month and 12-month repayment plans

  • $10,000 in monthly revenue
  • 625+ personal FICO credit score
  • In business for 12+ months
  • Corporation or LLC
  • No bankruptcies in the past year
  • In good standing with your Secretary of State
  • Business is operating or incorporated in an eligible U.S. state
    • Ineligible states include: Nevada, North Dakota, South Dakota
  • An active bank connection or statements from the last 3 months (a connected account makes it faster and easier to confirm your information)

It’s even easier to apply for a line of credit if you already have a Bluevine Business Checking account. While opening a Bluevine Business Checking account doesn’t explicitly improve your chances of being approved for a Bluevine Line of Credit, it will help us make a faster decision if you already have a transaction history with us. Plus, having a Bluevine checking account gives you more financing opportunities, as you’ll be considered for all three repayment plans.

You can apply for a Bluevine Line of Credit as long as your business meets the minimum qualifications and does not operate in one of the following ineligible industries or states:

Ineligible industries

  • Illegal gambling
  • Pornography and paraphernalia
  • Political campaigns
  • Firearms and paraphernalia
  • Other controlled substances (including medicinal marijuana, marijuana, cannabis, and hemp) and paraphernalia
  • Financial institutions and lenders (including insurance, penny auction companies, and cryptocurrency)
  • Auto dealerships

 

Ineligible states

  • Nevada
  • North Dakota
  • South Dakota
  • U.S. territories
Yes! If approved, your Bluevine Line of Credit comes with a complementary Bluevine Business Checking account, which you’ll be able to set up during onboarding. This allows you to conveniently manage your business checking account and line of credit from one easy-to-use dashboard. Plus, you can instantly access approved draws from your line of credit in your business checking account. You can also choose to open a Bluevine Business Checking account before you apply for a line of credit, which is the only way to be considered for all three available repayment plans.
While applying and reviewing an offer will not impact your personal credit score, accepting an offer may result in a hard inquiry. Further, if you default on a Bluevine Line of Credit you may be subject to negative business reporting and personal credit reporting in your role as guarantor.
With funds in as fast as 24 hours and simple interest rates, a Bluevine Line of Credit lets you take advantage of growth opportunities early. You could use a line of credit to cover payroll, hire full-time or seasonal employees as you need them, stock up on extra inventory during a sales rush, or buy materials or equipment for your next big project. You could also renovate your office, warehouse, or storefront, or lease a larger one. Learn how to make the most out of your line of credit.

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