Bluevine Line of Credit: A 5-Star Option for Short-Term Working Capital

The Bluevine business line of credit is a strong option for short-term financing. Borrowers with bad credit and only one year in business may qualify. Plus, you can get funded in three days or less. But interest rates can be high compared with other online lenders. And weekly payments on short terms may be untenable for some businesses.
Karrin Sehmbi Randa Kriss

Written by

Randa Kriss , Karrin Sehmbi
Randa Kriss ,
Karrin Sehmbi
Sally Lauckner

Edited by

Sally Lauckner
Sally Lauckner

Edited by

Sally Lauckner
Last updated on Dec 15, 2025

Fact checked and reviewed

Why trust NerdWallet

Advertiser disclosure

Karrin Sehmbi Randa Kriss

Written by

Randa Kriss , Karrin Sehmbi
Randa Kriss ,
Karrin Sehmbi
Sally Lauckner

Edited by

Sally Lauckner
Sally Lauckner

Edited by

Sally Lauckner
Last updated on Dec 15, 2025

Fact checked and reviewed

Why trust NerdWallet

Advertiser disclosure

Bluevine - Line of credit

Overview

The bottom line:

Bluevine loans are well suited for when working capital is needed fast — particularly for businesses with bad credit.

Loan details

Min. Loan Amount

$5,000

Min. Term Length

6 months

Min. APR

14%

Max Loan Amount

$200,000

Max Term Length

12 months

Max APR

95%

Qualifications

Min. credit score

Min. credit score

625

Min. Time in Business

Min. Time in Business

12 months

Min. Annual Revenue

Min. Annual Revenue

$120,000

Pros & Cons

Pros

    pros icon
    Cash can be available within 24 hours (for a fee).
    pros icon
    May be eligible to extend repayment to 52 weeks (instead of 26).
    pros icon
    Low minimum credit score requirement.

Cons

    cons icon
    Requires weekly repayments.
    cons icon
    Requires personal guarantee.
    cons icon
    Not available in North Dakota, South Dakota or Nevada.
    cons icon
    Rates can be high compared with traditional lenders.

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Min. credit score
625
Min. credit score
600
Min. credit score
625
Min. credit score
625
Min. Time in Business
12 months
Min. Time in Business
3 months
Min. Time in Business
12 months
Min. Time in Business
6 months
Max Loan Amount
$200,000
Max Loan Amount
$250,000
Max Loan Amount
$200,000
Max Loan Amount
$100,000
Need more options? Check our picks for best small business loans of 2025
Editor's note: Bluevine offers three options for a line of credit, each with different terms and qualification requirements. This review focuses on the 26/52-week term line of credit.
Bluevine is an online lender that offers business lines of credit up to $250,000. It can be a good option for small-business owners looking for short-term working capital. The Bluevine line of credit is issued by Celtic Bank, a Utah-chartered industrial bank, member FDIC.
Bluevine is known for its simple application process in which borrowers can connect their business checking accounts, and in most cases, receive a decision in minutes.

Consider Bluevine if you:

  • Need cash fast: You can complete an application for a Bluevine business line of credit in just minutes and receive a decision the same day. Funds can be available within hours, but transfers may take up to three business days. 
  • Don’t meet credit score eligibility requirements with other lenders: Bluevine considers borrowers with a minimum FICO score of 625.
  • Can manage a short repayment period: Bluevine offers lines of credit with repayment terms of only 6 to 12 months.
Not a fit? Consider these lenders instead.

Bluevine line of credit details

Bluevine offers a total of three line of credit options to borrowers, based on their profiles. One is only open to eligible Bluevine business checking customers, so we’ll outline the other two options here.

Bluevine 26/52-week term line of credit

Loan amount
$5,000 to $200,000.
Estimated APR range
14% to 95%.
Fees
  • $15 fee to receive funds via wire transfer.
  • Late fees may apply based on the information in your loan agreement.
Terms
6 or 12 months.
Repayment schedule
Weekly.
Funding speed
As fast as the same day. May take up to three business days for funds to process, depending on your bank.

Bluevine 12-month term line of credit

Loan amount
$20,000 to $250,000.
Estimated APR range
14% to 95%.
Fees
  • $15 fee to receive funds via wire transfer.
  • Late fees may apply based on the information in your loan agreement.
Terms
12 months.
Repayment schedule
Monthly.
Funding speed
As fast as the same day. May take up to three business days for funds to process, depending on your bank.

Where Bluevine stands out

Quick funding

Bluevine is a good option if you need a fast business loan. You can apply quickly online. First provide basic information about you and your business. Then connect your business bank account or upload bank statements.
After you’ve submitted your application, Bluevine may be able to offer you a same-day business loan, with funds in your bank account in as little as 24 hours. If you opt to pay a $15 fee for a wire transfer, you can get your funds in just a few hours.

Flexible credit score requirements

Bluevine has more lenient qualification requirements for its minimum credit score compared with other traditional and online lenders. The Bluevine line of credit can be a good option for businesses with bad credit (FICO score of 629 or lower), as you can qualify with a credit score of 625 or higher.
Note that the 625 credit score minimum only applies to the line of credit with weekly repayments. To qualify for the 12-month term, you'll need a score of 700+.
» MORE: Bad credit business loans: Compare the best options

Large credit lines; limited fees

Bluevine offers a line of credit up to $250,000 — which is a higher maximum loan amount than some of its closest online competitors.
Bluevine also doesn’t charge monthly maintenance fees, account closure fees or prepayment penalties for paying your balance back early.

💬 From our Nerds: Don’t underestimate the importance of speedy draw approvals and disbursements on your line of credit

"Borrowers may overlook the layers of approval that can be involved with a line of credit. When I worked in small-business lending, I saw several borrowers become frustrated over delays in accessing new draws — depending on the lender, you may have to seek approval and indicate the intended use behind each draw. Furthermore, with lenders that don’t have the technology to provide instant access to funds, each time you take a draw from your line of credit it can feel like another loan approval process.
This is where online lenders like Bluevine shine as, in contrast, there is not a lot of red tape involved."
Face, Happy, Head

Olivia Chen, lead writer, Small Business

Where Bluevine falls short

Can be expensive

Bluevine has annual percentage rates of up to 95% on its business lines of credit. Compare that with average interest rates across business loan types, and you’ll see that Bluevine is more expensive than many business loan options.

More frequent repayments

The Bluevine line of credit carries short repayment terms of up to 12 months, which results in higher payment amounts. Plus, the 26/52-week term line of credit is repaid weekly. Such frequent payments can pose an issue for businesses that have uneven sales or don't hold much cash in a bank account.

Estimate loan payments and interest

Enter a few loan details into our business loan calculator, and we’ll help you arrive at estimated monthly payments. We’ll even break out the principal versus interest and give you an estimated amortization schedule. Give it a try!

Alternatives to Bluevine

Headway Capital
Headway Capital - Line of credit

Headway Capital

Headway Capital - Line of credit

NerdWallet Rating

4.7

Max Loan Amount

$100,000

Read Review
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with Fundera by NerdWallet

Headway Capital offers lines of credit of up to $100,000. To qualify, you must have at least 6 months in business, a credit score of 625 and at least $50,000 in annual revenue. With a lower minimum annual revenue requirement than other lenders, Headway's line of credit can be a good option for low-revenue businesses.
Headway offers a weekly or monthly repayment schedule. It has repayment terms of 12, 18 or 24 months. Interest rates range from 35% to 80%.
Fundbox
Fundbox - Line of credit

Fundbox

Fundbox - Line of credit

NerdWallet Rating

4.7

Max Loan Amount

$250,000

Read Review
External link icon Apply now

with Fundera by NerdWallet

Fundbox offers business lines of credit up to $250,000 with repayment terms of 3 to 26 months. Fundbox can provide application decisions within minutes and transfer funds to your bank account as fast as the next business day.
Fundbox’s line of credit can be a good option for startups and businesses with bad credit, as Fundbox accepts borrowers with 3 or more months in business and a minimum credit score of 600 or higher. Plus, this lender’s minimum annual revenue requirement of $30,000 is much lower than Bluevine’s $120,000 minimum.
» Learn more about how these lenders compare in our Bluevine vs. Fundbox review.
Former NerdWallet writer Andrew L. Wang contributed to this article.

Frequently asked questions

Frequently asked questions

Yes. Bluevine is a financial technology company that’s been in business for more than a decade. The Bluevine line of credit is issued by Celtic Bank, a Utah-chartered bank, member FDIC.
Bluevine is a financial technology company that provides business lines of credit through its partnership with Celtic Bank. You can apply online in a few minutes, and once approved, you may have access to cash by the same day.
Bluevine was approved as a direct non-bank lender for the U.S. Small Business Administration’s Paycheck Protection Program. The lender accepted applications until the PPP program ended on May 31, 2021. Bluevine does not itself issue SBA loans, but it does partner with Fundera, a subsidiary of NerdWallet. Fundera is a lending marketplace that may match eligible borrowers with SBA loans through partner lenders.

Methodology

NerdWallet’s review process evaluates and rates small-business loan products from traditional banks and online lenders. We collect over 30 data points on each lender using company websites and public documents. We may also go through a lender’s initial application flow and reach out to company representatives. NerdWallet writers and editors conduct a full fact check and update annually, but also make updates throughout the year as necessary.
Our star ratings award points to lenders that offer small-business friendly features, including: transparency of rates and terms, flexible payment options, fast funding times, accessible customer service, reporting of payments to business credit bureaus and responsible lending practices. We weigh these factors based on our assessment of which are the most important to small-business owners and how meaningfully they impact borrowers’ experiences.
NerdWallet does not receive compensation for our star ratings. Read more about our ratings methodology for small-business loans and our editorial guidelines.