Bluevine
Bluevine Review 2026
Clear eligibility bar, fast draws — but rates aren't published anywhere on the site.
Quick answer
Bluevine offers a business line of credit up to $250,000 (and term loans up to $500,000 through partner lenders) with a clear eligibility bar — 625+ FICO, 12+ months in business, and roughly $120K/year in revenue. Funding lands in as fast as 24 hours, or instantly with a Bluevine Business Checking account. The catch: Bluevine does not publicly disclose rates anywhere, so you need an actual underwriting quote to know your real cost.
Who Bluevine is best for
Businesses that want a revolving credit line from a well-capitalized fintech and value fast (even instant) access to funds.
At a glance
- Loan amount
- Line of credit up to $250,000; term loan up to $500,000 (via partner lenders)
- Rates
- Not publicly disclosed
- Term
- Not publicly disclosed as a specific range
- Min credit
- 625+ personal FICO
- Time in business
- 12+ months
- Funding speed
- Decision as fast as 24 hours; draws as fast as 24 hours, or instant with a Bluevine Business Checking account
bluevine.com and bluevine.com/business-line-of-credit, verified August 19, 2026
Bluevine's site describes 'attractive' and 'competitive' rates but publishes no rate range or average APR anywhere in the pages we checked — a real transparency gap versus OnDeck. Verified August 19, 2026
Bluevine describes line-of-credit repayment only as 'a fixed schedule' — no published term range found.
bluevine.com/business-line-of-credit
bluevine.com/business-line-of-credit
bluevine.com and bluevine.com/business-line-of-credit
Pros
- +Clear, published eligibility criteria (credit, time-in-business, revenue) — no guesswork
- +Draws as fast as 24 hours, or instantly with a Bluevine Business Checking account
- +Line of credit up to $250,000 from a well-capitalized direct lender
- +Wire option available in a few hours for time-sensitive draws
Cons
- −No published rate range anywhere on Bluevine's site — you won't know your real cost until underwriting
- −No published term range for the line of credit
- −12+ months in business required — excludes newer businesses
Bluevine requirements
- 625+ personal FICO
- 12+ months in business
- $10,000/month (≈$120,000/year) in revenue
Bluevine alternatives
Top alternatives worth comparing from Best Small Business Loans 2026.
OnDeck Capital, Inc.
OnDeck
Established businesses (1+ year, $100K+ revenue) that want speed and can tolerate a high-APR average.
Fundbox, Inc.
Fundbox
Newer or thin-file businesses that can show 3+ months of business-checking history and want the lowest revenue bar on this list.
Lendio, Inc. (marketplace, NMLS ID 1998423)
Lendio
Business owners who want to compare offers across many lenders and products with a single application instead of applying individually.
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
Apply at Bluevine→Last verified at the issuer on 2026-08-20
The full lineup
See all picks in Best Small Business Loans 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Bluevine scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Businesses that want a revolving credit line from a well-capitalized fintech and value fast (even instant) access to funds.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.