Credit lines up to
Decisions as fast as
Get on-demand access to a revolving line of credit
with no monthly fees.BVSUP-00009
Draw the funds you need with the click of a button.
No fees for opening, maintaining, prepayment, or account closure.
Your credit line replenishes as you make repayments.
Get the right credit limit for your business size at any stage.
Draw funds, make repayments, and replenish your available credit with ease. With
our quick application, you can apply and get a credit decision in minutes.
Provide basic info about your business and get a decision in as fast as 5 minutes.
Request funds through your online dashboard and see them in your account within hours.BVSUP-00009
Pay back each draw with fixed monthly or weekly payments over 6 or 12 months.
As you pay off your balance, your available credit automatically replenishes.
First, provide basic information about your business. If approved, you can request funds from your online
dashboard and receive them in your account in as fast as 24 hours.BVSUP-00009
Learn how to make the most of your Bluevine account with these in-depth product guides and resources.
Connecting your external account can help you get the most out of your Bluevine Line of Credit...
We’ve created this guide that covers everything you need to apply.
Access to cash and credit is a small business’s lifeline. Your business’s credit rating shows lenders, suppliers, and other vendors how financially stable your business is, as well...Read article
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.BVSUP-00009
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. Because your repayments are calculated with simple interest, you can save on interest when you pay early. We don’t charge early repayment fees.
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:
To qualify for a Bluevine Line of Credit, your eligible business must be a corporation or LLC in business 24+ months, with no bankruptcies in the past year, and in good standing with your Secretary of State. Also, your business must earn $40,000 in monthly revenue––or $480,000 annually––and you must have a 625+ personal FICO credit score.
We’ll verify this information when you apply and each month after to ensure you remain eligible. The fastest way to do this is to connect your external bank account. If you don’t, you’ll need to manually upload bank statements from the last three months. Learn more about bank connections.
It’s easier to apply for a line of credit if you already have a Bluevine Business Checking account.
For businesses organized as a limited liability company or corporation, we don’t perform a hard credit pull at any point in our process, which means applying won’t impact your credit score. Sole proprietorships and general partnerships are ineligible for Bluevine Line of Credit.
With funds in as fast as 24 hours, simple interest rates, and no prepayment penalties, a Bluevine Line of Credit lets you take advantage of growth opportunities early.BVSUP-00009
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.
To apply for a line of credit, apply on our website. We’ll ask you for some basic information about you and your business. Once you apply, we could send you our decision in as little as five minutes.
Just make sure you meet these minimum qualifications:
Think of a business line of credit as funds your company can request and use if and when you need it. With a Bluevine Line of Credit, you only pay for what you use, and your available credit line replenishes as you make repayments on your draw(s). All draw requests are subject to review and approval. As you build history, the size of your credit line can scale with the size of your business.
A business line of credit provides greater flexibility to your business, allowing you growth opportunities that might otherwise be unavailable to you. For example, a line of credit can provide financial stability if you encounter unexpected expenses or seasonal fluctuations in revenue.
If you’re looking to boost your growth, you can purchase more inventory or operations equipment, or fund a new marketing campaign. If you’re expanding, a line of credit can help you open a new office or location, or it can support a new product launch.
Submit your application in just a few minutes.BVSUP-00006