Grow with a business
line of credit.

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 save on interest when you pay early. We don’t charge early repayment fees.

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 in the past year
• 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
• Other controlled substances (including medicinal marijuana, marijuana, cannabis, and hemp) and paraphernalia
• Financial institutions and lenders (including insurance, penny auction companies, and cryptocurrency)
• Auto dealerships

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 and simple interest rates, 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.