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A Fast and Flexible
Business Line of Credit

Enjoy the flexibility of a revolving line of credit.
Draw as you need and pay only for what you use.

Applying will not affect your credit score

Credit lines between $5K – $250K

Rates as low as 4.8%

Approvals as fast as 5 minutes

Borrow. Repay. Repeat.

Funds available on demand

Draw the funds you need with the click of a button.

Only pay for what you use

No fees for opening, prepayment, or account closure.

Access to a revolving line

Your credit line refills as you make repayments.

Financing that grows with you

Get the right credit limit for your business size at any stage.

How BlueVine Line of Credit Works

Apply Online

Provide basic info about your business and get a decision in as fast as 5 minutes.

Draw funds

Request funds through your online dashboard and see them in your account within hours.

Make repayments

Pay back each draw with fixed monthly or weekly payments over 6 or 12 months.

Access more funds

As you pay off your balance, your available credit automatically replenishes.

Trustpilot

Helpful staff on all my calls and questions. Easy process to draw funds. Highest offer for a business line of credit. Thank you.

John

Trustpilot

Great Customer Service...This is the second time I’ve called BlueVine for help and customer service has just been awesome. Running a business is stressful enough so I’m really happy our banking needs are taken care of.

Samantha A.

Trustpilot

Super straight forward process, no sales calls, very clear directions and they outperformed their own stated timeline. I had funding within 12 hours of applying at a great rate, and which is extremely flexible and serves my business.

Amanda

Trustpilot

Great Communication. In this age it's all about those organizations that put a priority on providing responsive, non-rushed, teamwork-oriented communication to their customers. BlueVine is one of them.

Daniel C.

Trustpilot

My experience with BlueVine has been excellent. My representative was courteous, efficient and timely with responses.

Mark

What you need
to get started

Minimum qualifications

600+ FICO
6+ months in business
$10,000 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 year-to-date bank statements

Meet our advisors.

Call us at (888) 216-9619

Apply now

Applying will not affect your credit score

John from Client Care, Charles and
Lindsay from our Partnerships team.

No limit on number of transactions. However, checking accounts are subject to the monthly deposit and withdrawal amount limits of the Account Agreement. Application is subject to approval. No monthly or maintenance fees. Card Replacement Fees and Wire Transfer Fees may apply.

Non-employers include self-employed individuals without employees.
Small businesses in the Food and Accommodation industry (NAICS 72) and other eligible organizations may qualify for a PPP Second Draw if they have over 300 employees.
Businesses in the Food and Accommodation industry (NAICS 72) are entitled to receive up to 3.5x the average payroll costs on a Second PPP Draw.
BlueVine charges a $2.50 fee for ATM transactions outside of the MoneyPass® network. Additional third-party ATM fees may vary by ATM operator.
No interest earned on balances over $100,000. See the Account Agreement for details.
Based on user testing.
The national average and comparison are based on interest rates paid by U.S. depository institutions as calculated by the FDIC.
For businesses organized as a limited liability company or corporation, we do not perform a hard credit pull at any point in our process, which means your credit score will not be impacted. For businesses organized as sole proprietors or general partnerships, we will only perform a hard credit pull after you receive and accept your offer.
Once approved, get funds deposited in your bank account in as quickly as a few hours if you choose our bank wire option ($15). Or, choose our free ACH transfer option which typically gets funds deposited the next business day, although it may take up to three.
The rate is a simple interest rate calculated from total repayments over 26 weeks.
Applications are subject to approval. Approved customers who apply for a BlueVine Flex Line of Credit and draw $5,000 or more within 14 days of approval will receive a $100 Tango gift card. BlueVine Flex Line of Credit is issued by Celtic Bank, a Utah- chartered Industrial Bank, Member FDIC. Please allow at least four weeks to receive your gift card via email if you qualify. One gift card per eligible participant. Gift cards are non-exchangeable and non-returnable. This offer is single-use and non-transferable. BlueVine reserves the right to cancel the promotion anytime. Funding subject to credit approval. Other terms and conditions may apply. Inquire for more details.
For borrowers with loans of $150,000 or less, these documents will not be required at the time of application. These or additional documents will be required either before or during your loan forgiveness application.
Businesses with employees are eligible to apply for up to 2.5x average monthly payroll costs. Businesses in the Food and Accommodation industry (NAICS 72) are eligible to receive up to 3.5x the average monthly payroll costs on a Second PPP Draw.
Some exceptions may apply. Please review our guide for more information.
Subject to the terms and conditions of your credit card provider.
In the event your business is approved for a line of credit, and, prior to funding, the business receives an approved offer from a competing non-bank lender at a lower rate to that offered by BlueVine, BlueVine will offer the same or lower rate or BlueVine will pay your business five hundred dollars ($500). One gift card will be allowed per eligible participant. This promotion may not be combined with any other offers. Gift cards are non-exchangeable and non-returnable. Please allow at least four weeks to receive your gift card via email if you qualify. BlueVine reserves the right to cancel the promotion anytime. To be eligible for the Price Guarantee, the competing agreement must be for equivalent terms as those provided by BlueVine (e.g. interest rate, loan amount, origination fees, number of installments, repayment terms, collateral or other security, and no other materially different terms). BlueVine will determine in its sole discretion whether all material terms are equivalent. Your business must submit written proof of an approved agreement with competing non-bank lender prior to funding of the BlueVine line of credit and successfully complete its registration with BlueVine to be eligible for the $500 payment. The Price Guarantee does not apply to offers dated prior to the date of this mailing. Other terms and conditions apply. One gift card will be allowed per eligible participant. This promotion may not be combined with any other offers. Gift cards are non-exchangeable and non-returnable. Please allow at least four weeks to receive your gift card via email if you qualify. BlueVine reserves the right to cancel the promotion anytime.
On our best rates, LIBOR rate will be applied.
The content provided will be for educational purposes only and should not be construed as professional advice and/or a replacement thereof.
Each Bill Pay with Credit Card transaction will have a 2.9% fee. Not all suppliers may accept credit card payments; for example, credit card payments to insurance providers, credit card providers, or court-ordered payments are currently not supported. American Express cards are not supported in this feature.
Funding applications are subject to credit approval. Rates and terms may vary based on your creditworthiness and are subject to change.
Discounts based on referral codes refer to the weekly or monthly interest rates for Line of Credit customers, and weekly interest rate for Term Loan customers. The offer does not apply to Invoice Factoring customers. Offer available to first-time clients only.
For customers who received their PPP through Cross River Bank (CRB), they will contact you regarding loan forgiveness.
BlueVine. "Survey: Coronavirus Impact on Small Businesses." (2020): www.bluevine.com/coronavirus-business-impact-survey/ March 26, 2020
Several exemptions apply if a business did reduce headcount or wages. Read our guide on those exemptions for more information.
In order to qualify for the gift card, the Referred client must draw funds within 2 weeks of accepting an offer with BlueVine. The Referred client must also be in good standing for the 8 weeks following his or her first draw date. One gift card per eligible participant. Please allow at least 90 days after the Referred client's first draw to receive your gift card. Terms and conditions apply. Please see them for more details.
BlueVine reserves the right to add, remove or modify restricted industries without notice and in its sole discretion.
U.S. Small Business Administration Office of Advocacy. "2019 Small Business Profile." (2019): https://cdn.advocacy.sba.gov/wp-content/uploads/2019/04/23142719/2019-Small-Business-Profiles-US.pdf. April 2019
This process may take up to 150 days from submission, or more in certain circumstances.
Lowest rates starting from 0.25% will have an additional LIBOR rate applied.
Rates range from 4.8% to 20.5% per draw, simple interest. Simple Interest = Total interest you will pay, and given as a percentage of the amount borrowed, excluding fees. APR from 18.2% to 36%. Prices for business funding can vary depending on the expected term of the funding as well as other credit and eligibility criteria.
Survey issued via Survey Gizmo to 877 small business owners between June and July 2020. Survey participants all own businesses with 100 employees or less and 837 completed the survey.
There may also be circumstances when part or all of your loan is not eligible for forgiveness due to other SBA requirements that are beyond the scope of this post.
(“U.S. Small Business Administration Office of Advocacy. "2019 Small Business Profile." (2019)”)
At this time we do not have an estimate when we'll resume receiving new applications.
BlueVine is not a licensed tax professional and cannot provide tax advice. You should consult with your CPA or tax advisor about the implications of the current stimulus bill.
Earning rewards is subject to the terms and conditions of your agreement with your credit card provider.
Bill Pay funds are held by Silicon Valley Bank, a member of the FDIC and the Federal Reserve System.
Loans made after June 5 have a maturity length of 5 years.
A $4.95 per transaction fee is applicable while depositing funds at Green Dot® locations.
The Bancorp Bank, Member FDIC may transfer to Coastal Community Bank, Member FDIC after September 14, 2021 any funds received from returns of ACH Credits you originated from your account.
Conditions and exceptions apply - see Checking Account Agreement.
A balance is required in your BlueVine Business Checking account to order your two free checkbooks. Additional checkbook orders start at $18.22, excluding tax and shipping costs. Pricing is subject to change.
No limit on number of transactions. However, checking accounts are subject to the monthly deposit and withdrawal amount limits of the Account Agreement. Application is subject to approval. No monthly or maintenance fees. Card Replacement Fees and Wire Transfer Fees may apply.
The BlueVine Business Debit Mastercard is issued by Coastal Community Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Invoice factoring applications with FundThrough are subject to FundThrough’s approval. BlueVine cannot guarantee applications will be approved. FundThrough’s terms and conditions apply, and BlueVine is not responsible for the terms, performance, customer support or any other features of FundThrough’s products and services. Users should read FundThrough’s terms and conditions and privacy policy before applying.
For your billing date, the terms and conditions of your credit card apply.
Subject to terms and conditions of your credit card provider. BlueVine does not guarantee any outcome for the use of the Bill Pay with Credit Card service.
Subject to the terms and conditions of your agreement(s) with applicable vendor(s).

A Fast and Flexible Business Line of Credit

Credit lines between $5K – $250K

Rates as low as 4.8%BVSUP-00010

Approvals as fast as 5 minutes

Borrow. Repay. Repeat.

Funds available on demand

Only pay for what you use

Access to a revolving line

Financing that grows with you

How BlueVine Line of Credit Works

Apply Online

Draw funds

Make repayments

Access more funds

What you need to get started

Minimum qualifications

What you need to apply

Ready to apply? Get started

Meet our advisors.

A Fast and Flexible
Business Line of Credit

Rates as low as 4.8%

What you need
to get started

Ready to apply?
Get started