Grow with a business
line of credit.

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.

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.

While being a Bluevine Business Checking customer is not required to apply for a line of credit, if you open a business checking account with us before applying for a line of credit, you’ll be considered for all three repayment plans—including the 3-month, 6-month, and 12-month Bluevine Line of Credit. The 3-month plan is available exclusively to current Bluevine checking customers.

If you are already a Bluevine Business Checking customer, sign in and start your application right from your dashboard.

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

• 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

Typical documents include business bank statements, proof of revenue, and identification. Bluevine’s streamlined application process outlines specific requirements for applicants.

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.

You can also choose to open a Bluevine Business Checking account before you apply for a line of credit, which is the only way to be considered for all three available repayment plans.

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.

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.

Absolutely. A revolving credit line is ideal for managing seasonal cash flow needs, allowing businesses to borrow when income fluctuates.