Grow with a business
line of credit.
Get instant fundingBVSUP-00127 with rates as low as
7.8% for top qualifying customers.BVSUP-00142 Apply
with no impact to your credit score.BVSUP-00008
Bluevine is a financial technology company, not a bank.
The Bluevine Line of Credit is issued by Celtic Bank.
$16B+
working capital deliveredBVSUP-00052
Join the growing community of 750K+ businesses across the U.S. we’ve helped access the funding and banking solutions they need.
Quick, easy access to a
business line of credit.
Access the capital you need to run and grow your business smoothly, with
competitive rates and automatic repayments.
Instant access to
funds
Get instant access to approved draws with a Bluevine Business Checking account.
Credit lines up to
$250K
Apply for credit lines up to $250,000, with rates as low as 7.8% for top qualifying customers and no maintenance fees.BVSUP-00142
Access to
ongoing capital
Draw funds when you need to cover big expenses, improve cash flow, and take advantage of growth opportunitiesBVSUP-00127 — 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.
Get started with your line of credit.
Apply online in minutes.
Provide basic info about your business, and get a decision in as fast as five minutes. Plus, applying won’t impact your credit score.BVSUP-00008
Access funds in a click
Request funds in a click, and see approved draws in your account in as fast as 24 hours—or instantly with a Bluevine Business Checking account.BVSUP-00008
Make automatic repayments
Repay automatically on a fixed schedule, and your credit line will replenish as you make repayments.
Business checking
that works with your
line of credit.
Enjoy even more exclusive benefits by pairing
your Bluevine Line of Credit with a Bluevine
Business Checking account.
Discounted rates on your lineBVSUP-00179
Instant access to approved draws
High-yield interest on your
checking balancesBVSUP-00118FDIC insurance up to $3MBVSUP-00108
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.
You can also explore self-guided resources any time in our Help Center.
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-00127
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.
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:
- $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 even easier to apply for a line of credit if you already have a Bluevine Business Checking account.
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
- Car dealerships
- Donation-based non-profits
- Financial institutions and lenders
- Firearms and paraphernalia
- Gambling
- Legal and illegal substances (incl. medicinal marijuana / CBD products)
- Political campaigns
- Pornography and paraphernalia
Ineligible states
- Nevada
- North Dakota
- South Dakota
- U.S. territories
Yes! If approved, your Bluevine Line of Credit comes with a complimentary 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.
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.
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.
Need a traditional business loan?
Apply online in minutes for a term loan up to $500,000 from our lending partners.
Learn more
Looking for SBA funding?
We’ve partnered with Fundera by NerdWallet to help you access SBA 7(a) loans up to $350,000.
Contact salesExplore helpful guides.
Learn how to make the most of your Bluevine account with these in-depth product guides and resources.
Ready to apply for a
line of credit?
Submit your application in just a few minutes with no impact to your credit score.BVSUP-00008