Lender review
Bluevine Business Loans, Reviewed
A fintech direct lender offering a business line of credit up to $250,000, paired with a high yield business checking account.
Lender review
A fintech direct lender offering a business line of credit up to $250,000, paired with a high yield business checking account.
Bluevine has built its line of credit around businesses that have moved past the startup phase, requiring at least 12 months in business, a 625 credit score, and $120,000 in annual revenue. In exchange, its rates starting at 7.8 percent are more competitive than most short term online lenders, and pairing the line of credit with a Bluevine business checking account gives you instant draws and a high yield on idle cash, a combination few competitors on this network offer.
Bluevine directly funds a business line of credit up to $250,000, and connects businesses to term loans and SBA loans through its partner network, all built around a fintech platform that also offers business banking.
What makes Bluevine distinct is how it pairs lending with banking. If you hold a Bluevine business checking account alongside your line of credit, draws land instantly rather than waiting for a transfer, and idle cash in that account can earn a meaningful yield, a combination that turns Bluevine into more than just a lender.
Prequalify in minutes without affecting your credit score.
Exact rates and loan amounts vary by product and by applicant; see the product breakdown below for details on each one.
Bluevine directly funds its line of credit and connects businesses to additional financing through its partner network.
| Business line of credit | Revolving credit up to $250,000, with rates starting at 7.8 percent and terms of 6 or 12 months, repaid weekly or monthly depending on your tier. |
| Term loans | Fixed amount financing available through Bluevine’s lending partners for businesses that need a lump sum rather than revolving credit. |
| SBA loans | Government backed financing matched through Bluevine’s SBA lending partners for qualifying businesses. |
Rate, term, and amount figures are set per applicant during underwriting.
Bluevine sets a moderate bar, more accessible than a bank but stricter than many short term online funders.
Bluevine requires a personal FICO score of 625 or higher for its line of credit, with no bankruptcies in the past 3 years. Its 12 month repayment tier requires a stronger 700 or higher score.
A minimum of 12 months in business is required, with the 12 month repayment tier generally reserved for businesses with 3 or more years of history.
Bluevine looks for at least $120,000 in annual revenue, or roughly $10,000 a month. Its 12 month repayment tier requires substantially more, generally $960,000 or higher.
Your business must be a corporation or LLC in good standing with your Secretary of State. Sole proprietorships do not qualify.
The application runs entirely online and typically takes just a few minutes to complete.
Complete Bluevine’s application in a few minutes. This uses a soft credit pull and does not affect your credit score.
Bluevine reviews your business information and, if you connect your bank account, can verify your eligibility faster than manually uploaded statements.
Once approved, draw what you need. Funds typically arrive within 24 hours, or instantly if you hold a Bluevine business checking account.
Rates starting at 7.8 percent are lower than most short term online lenders on this network.
Bluevine charges no origination fee, maintenance fee, or prepayment penalty on its line of credit.
Pairing a Bluevine business checking account with your line of credit unlocks instant draws and yield on idle cash.
Checking your eligibility does not affect your credit score.
SBA loans and term loans are available through Bluevine’s partner network if the line of credit is not the right fit.
Your business must be a corporation or LLC, ruling out sole proprietors regardless of revenue or credit.
Bluevine’s line of credit is not available in Nevada, North Dakota, South Dakota, or US territories.
The 12 month repayment tier needs a 700 or higher credit score and nearly $1 million in annual revenue, a real step up from the entry level requirements.
Yes, for its business line of credit. Bluevine also connects businesses to term loans and SBA loans through its partner network.
Bluevine requires a personal FICO score of 625 or higher for its line of credit, with 700 or higher required for its longest repayment tier.
Funds typically arrive within 24 hours of a draw, or instantly if you hold a Bluevine business checking account.
Bluevine directly funds a business line of credit up to $250,000, and connects businesses to term loans and SBA loans through its partner network.
Bluevine requires at least 12 months in business, a 625 or higher credit score, and at least $120,000 in annual revenue. Your business must also be a corporation or LLC.
No. Bluevine uses a soft credit pull to determine eligibility, which does not affect your credit score.
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