Apply online for a business line of credit

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

Get started Applying will not affect your credit score^BVSUP-00008

Applying will not affect your credit score^BVSUP-00008

Jesse U, MarketMe Video Production.

Credit lines up to $250,000

Rates as low as 4.8%

Approvals as fast as 5 minutes

Fast working capital
made simple

Funds available on demand

Enjoy peace of mind by having money available for any business expense. Draw funds with a click of a button.

Only pay for what you use

No fees to open or maintain your line. No prepayment fees, monthly maintenance fees, or account closure fees.

Access to a revolving line

Draw as little or as much as you want from your available credit. Your credit line replenishes as you make repayments.

Financing that grows with you

We support your business growth by getting you the right credit line for your business size at any stage.

How BlueVine Line of Credit Works

Apply Online

Provide us basic information about your business and get approved in as fast as 5 minutes.

Draw funds

Use your online dashboard to request funds, and get cash in your bank account within hours.^BVSUP-00009

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 is automatically replenished.

Our product launch was a wild success, but we had to wait an average of 60 days before retailers paid us. In just a few days, BlueVine gave us the cash we needed to cover our expenses.

Sean A Plox

More testimonials

What you need
to get started

Minimum qualifications

600+ FICO
6+ months in business
$10,000 in monthly revenue

What you need to apply

Basic details about you and your business
Bank connection or year-to-date bank statements

Frequently asked questions

A business line of credit gives you the ability to access funding when you want, up to your credit limit. And unlike a traditional loan or merchant cash advance that is one-time, BlueVine’s Flex Credit is “revolving credit.” This means that as you repay back your outstanding funds, your available credit replenishes, and you can draw additional funds again as you like.

To use your BlueVine line of credit, here’s how it works: Once approved for a credit line, request funds directly from your dashboard. Funds are then deposited in your bank account in as fast as hours. Payments are automatically debited from your account each week or month over 6 or 12 months. As you pay off your balance, your available credit line is automatically replenished. Plus, because your repayments are calculated with simple interest, you can save on interest when you pay early. BlueVine doesn’t charge prepayment, or early repayment, fees.

To meet the minimum requirements for our Line of Credit, your business must have been in operation for at least six months, be a corporation or LLC, have a personal credit score of 600+ or more, and your business must generate at least $10,000 each month in revenue.

Due to regulations, we also cannot provide lines of credit to the following states:

Nevada
North Dakota
South Dakota
Vermont

If you don’t meet our Line of Credit requirements, you may be eligible for Invoice Factoring, which allows you to get a cash advance based on your outstanding invoices.

See our restricted industries list

Weekly repayments are automatically debited from your bank account. As long as you have sufficient money in your bank account, you never have to worry about missing a payment.

As quickly as a few hours once approved. With BlueVine you can choose between ACH electronic transfers or bank wire transfers. ACH transfers are free and the funds usually appear the next business day (but may take up to three). A bank wire costs $15 per wire and funds are typically available in your bank account the same day.

Meet our advisors.

Call us at Call us at (888) 216-9619

Get started

Applying will not affect your credit score^BVSUP-00008

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

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.
The rate is a simple interest rate calculated from total repayments over 26 weeks.
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.

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.
Third-party ATM fees may vary by ATM operator.
As of December 1, 2021 the rate on our Business Checking account will be adjusted from 1.0% to 0.6% APY on balances up to and including $100,000. No interest earned on balances over $100,000.
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.
Not all suppliers may accept credit card payments; for example: credit card payment to insurance providers, credit card providers, or court-ordered payments are currently not supported. Amex 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.

Apply online for a business line of credit

Credit lines up to $250,000

Rates as low as 4.8%

Approvals as fast as 5 minutes