Revolving LOC up to $250K — 625+ FICO, 12 months in business, decision in minutes
Get started at Bluevine → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
SMB owners with 12+ months TIB and $10K+/month revenue who need fast revolving credit without maintenance fees
Bluevine Business Line of Credit — Revolving LOC up to $250K — 625+ FICO, 12 months in business, decision in minutes Best for: SMB owners with 12+ months TIB and $10K+/month revenue who need fast revolving credit without maintenance fees. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Bluevine requires a 625+ personal FICO credit score, at least 12 months in business, and a minimum of $10,000 in monthly revenue (approximately $120,000 annualized). Your business must be structured as a Corporation or LLC — sole proprietors are not currently eligible. Bluevine also requires your business to be in good standing with your Secretary of State and operating in an eligible U.S. state (Nevada, North Dakota, South Dakota, and U.S. territories are excluded). Verify current eligibility requirements at bluevine.com before applying.
Bluevine does not publish specific APR ranges on its public product page — it discloses rates are 'competitive' and vary based on creditworthiness. Your specific rate is presented at the time of application after Bluevine reviews your business profile. This is common for non-bank LOC products where pricing is file-dependent. Before signing any agreement, compare the disclosed rate to your alternatives using the factor rate to APR calculator at ClearValue Lending. ClearValue Lending is not affiliated with Bluevine and does not have visibility into Bluevine's current rate range.
Bluevine can deliver a credit decision in as fast as 5 minutes. Once approved, funds can be accessed instantly if you have a Bluevine Business Checking account. For businesses without Bluevine checking, funds arrive via wire transfer within a few hours ($15 fee) or via ACH by the next business day or up to 3 business days at no charge. The speed advantage over bank LOCs — which typically run 15–30 days — is significant for businesses with immediate working-capital needs.
Yes. Bluevine's line of credit is revolving — your available credit replenishes automatically as you make repayments. This means you can draw funds, repay some or all of the balance, and draw again up to your approved limit without reapplying. Interest accrues only on the outstanding drawn balance. Repayments are set on an automatic weekly or monthly schedule based on your qualification tier. ClearValue Lending is not affiliated with Bluevine.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
Advertiser disclosure: some links are from our partners — we may earn a commission at no cost to you. Rankings and editorial assessments are independent of compensation.