Small business loans to power growth.

A line of credit for business offers flexibility by allowing businesses to draw funds as needed, while a small business loan provides a lump sum of money with fixed repayment terms.

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
• Illegal substances
• Other controlled substances (including medicinal marijuana, marijuana, cannabis, and hemp) and paraphernalia
• Financial Institutions and lenders (including insurance, penny auction companies, and cryptocurrency)
• Donation-based non-profits
• 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 12+ months, with no bankruptcies on file, and in good standing with your Secretary of State. Also, your business must earn $10,000 in monthly revenue––or $120,000 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.

Applying for a Bluevine Line of Credit 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.

When you apply for a Bluevine Line of Credit, you could find out if you're approved in as little as 5 minutes. If you have a Bluevine Business Checking account, you can also access your line of credit funds instantly once a draw is approved.

Once your draw is approved, you can get funds deposited to your bank account in as quickly as a few hours if you choose our bank wire option ($15). Or, choose our fee-free ACH transfer option, which typically gets funds deposited the next business day, although it may take up to three. You can also receive your funds instantly if you have a Bluevine Business Checking account.

If you're approved for a Bluevine Line of Credit, you'll also be approved for either our weekly or monthly repayment plan. Repayments are automatically debited from your bank account, so as long as you have enough money in your account to cover the full amount, you never need to worry about missing a payment.

Learn more about connecting an external bank account.

Bluevine offers credit lines up to $250,000, but your line amount will depend on what you're approved for when you apply, plus whether you qualify for line increases later on. Your available credit replenishes as you make repayments. Draw requests are subject to review and approval.

As your business grows, your Bluevine Line of Credit can grow with it. We'll proactively evaluate your business finances to see if you're eligible for another increase. You may also be able to request an increase to your line of credit from your Bluevine dashboard.

When you're applying for a line of credit, having a Bluevine Business Checking account or connecting your external bank account helps us make decisions even faster.

Once you have an active line of credit, your bank connection helps us quickly confirm that you qualify for future draws or potential credit line increases. If you close or change bank accounts, you can easily connect a new one from your dashboard.

Without a bank connection or active Bluevine Business Checking account, you'll need to manually upload statements for us to review every month, which could delay draw approvals or potential credit line increases. You can also receive your funds faster, get line of credit fee or rate discounts, and avoid manually uploading statements if you have a Bluevine Business Checking account.

Learn more about connecting an external bank account.

Stacking loans or credit lines can negatively impact your credit line and lead to your Bluevine account being put on hold. Please reach out to us before applying for credit elsewhere by visiting our contact us page or calling (888) 216-9619 from Monday to Friday 8am–8pm ET.

Bluevine offers fast business funding, with approved businesses typically able to access funds within 24 hours of approval.

A business line of credit provides small businesses with the flexibility to manage cash flow, cover unexpected expenses, or invest in growth opportunities without committing to a long-term loan.

To apply for a Bluevine 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:

• $10,000 in monthly revenue
• 625+ personal FICO credit score
• In business for 12+ months
• Corporation or LLC
• No bankruptcies on file
• 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.

For your business to qualify for a Bluevine Line of Credit, you must have a personal FICO credit score of at least 625+.

Yes—you can apply for a Bluevine Line of Credit as a corporation or LLC.

Yes—you can apply for a Bluevine Line of Credit if you have these two Taxpayer Identification Numbers:

• a Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN)
• an Employer Identification Number (EIN)

Term loans and lines of credit are two different types of business loans.

Your repayment schedule and terms may vary and are determined by your lender.

No, Bluevine doesn't offer term loans, but you can be considered for a term loan from our network of lending partners.

Yes, if a Bluevine Line of Credit isn't right for you, you may still be eligible for a term loan or line of credit from one of our partners. If so, you'll see one or more potential funding options from our lending partners. Please note Bluevine cannot guarantee that you will be presented with all available offers from our lending partners.

At Bluevine, eligibility requirements for a line of credit include 12+ months in business, $120,000+ annual revenue, and a FICO score of at least 625. Requirements for term loans through our partners and SBA loans may vary.

In some cases, you can get your notice of approval within minutes, and funding within as little as 24 hours.^BVSUP-00039

You can use your small business loan for anything related to your business, including real estate, equipment, payroll, inventory, cash flow, and more.

No, applying will not impact your personal credit score.^BVSUP-00166