Elevate your
business with a
line of credit.

Draw funds as you need and only pay for what
you use, with a flexible line of credit
designed to meet your business needs.

Start application

Bluevine is a financial technology company, not a bank. Bluevine's Line of Credit is
issued by Celtic Bank.

  • Credit lines up to


  • Industry-Leading


  • Decisions as fast as

    5 minutes

Funding that’s fast
and flexible.

Get on-demand access to a revolving line of credit
with no monthly fees.BVSUP-00009

  • Funds available on demand.

  • Only pay for what you use.

  • Access to revolving credit.

  • Financing that grows with you.

How our line of credit works.

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.

  • Apply online.

  • Draw funds.

  • Make repayments.

  • Access more funds.

Get started

Get started with our line of credit.

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

Minimum qualifications

  • 625+ FICO score
  • 24+ months in business
  • $40,000 in monthly revenue
  • Business is operating or incorporated in an eligible U.S. state

What you need to apply

  • Basic details about you and your business
  • Bank connection or bank statements for past 3 months
  • Business is in good standing
Start application

Small business owner’s guide to building and using business credit

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Line of credit FAQs

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:

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

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.

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, 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:

  • $40,000 in monthly revenue
  • 625+ personal FICO credit score
  • In business for 24+ 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 easier to apply for a line of credit if you already have a Bluevine Business Checking account.

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.

Ready to apply?

Start application

Submit your application in just a few minutes.BVSUP-00006