Bluevine review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Bluevine suits US corporations and LLCs that want a revolving business credit line instead of a single payout, with borrowing of up to $250,000 and no maintenance fees. The soft prequalification check keeps the first look at the file light, and money can arrive within a day of approval.

Key facts

Best for
A revolving business credit line of up to $250,000 with no maintenance fees.
Loan amount
up to $250,000 (Source, checked September 26, 2026)
Arrangement fee
0 USD (no maintenance fees) (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Funds within 24 hours of approval; instantly with a Bluevine Business Checking account (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Corporation or LLC in business 12+ months, $10,000 monthly / $120,000 annual revenue, 625+ personal FICO score, no bankruptcies, in good standing with the Secretary of State, operating in an eligible U.S. state (not Nevada, North Dakota, South Dakota or U.S. territories) (Source, checked September 26, 2026)
Loan types
Business, Credit-line (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
Bluevine Inc. (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Features
Credit line, Same-day funding
Official website
bluevine.com

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaX

Pros and cons

Pros

  • Credit line of up to $250,000 for working capital, drawn as needed
  • 0 USD (no maintenance fees) on the business line, so holding it open costs nothing
  • soft prequal keeps the first eligibility check light on the file
  • Free early repayment, so clearing the balance sooner adds no charge

Cons

  • A Bluevine Business Checking account is not among its credit line and same day funding, so instant payout applies only to customers who hold one
  • fair credit is the stated bar, which rules out weaker files
  • Eligibility asks for a minimum time trading, a minimum revenue and a minimum personal credit score, so newer firms are turned away
Bluevine

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • US corporations and LLCs with clean filing status and a trading record
  • Owners who want a revolving line and draw only what the month needs
  • Borrowers who want a light first check, given the soft prequalification

Who should look elsewhere

  • Borrowers who need euros rather than dollars, since Creduma ES quotes from €12,000 and Sofkredit quotes €12,000 to €300,000 in euros
  • Businesses trading in Nevada, North Dakota, South Dakota or the US territories, since eligibility covers eligible US states only; Cashspace lends in pesos from PHP 500 to PHP 25,000

The company behind it

The lending is done by Bluevine Inc., the legal entity behind the brand, and questions reach the same firm through phone, chat and help centre: a phone line, live chat and a help centre. Borrowers can take the limit, a draw or a repayment to the same desk, which matters when a payment date is close.

How Bluevine compares

Frequently asked questions

What does it cost to keep the line open?+

There are no maintenance fees on the business line and the origination fee is 0 USD (no maintenance fees). Free early repayment means settling the balance sooner adds nothing. As a credit line (credit line and same day funding) the drawn balance is what carries the cost, not the limit itself.

How much can a business borrow?+

The ceiling is up to $250,000, drawn as needed rather than handed over as a single payment, and the unused part costs nothing to keep. Business lines sit at 18 of 685 brands ranked on amount, well above the site median of €876.96.

How fast does the money arrive?+

Funds arrive within a day of approval, and instantly if the business also holds a Bluevine Business Checking account. The listed features cover a revolving facility and quick payout, credit line and same day funding, so speed depends on which account is already in place.

Will checking eligibility hurt my credit?+

The first look is a soft prequalification, soft prequal, which sits lighter on the file than a full application and does not count against the record. A formal request later is what does. Applicants are asked for a fair credit standing.

Who qualifies for the line?+

Applicants need a corporation or LLC that has been trading for a minimum period, meets a minimum monthly and annual revenue, holds a minimum personal credit score with no bankruptcies, and stands in good standing with the Secretary of State. Businesses must also sit in an eligible US state, which excludes Nevada, North Dakota, South Dakota and the US territories.

How do I reach a person?+

Support runs on phone, chat and help centre: a phone line, live chat and a help centre. Any of those routes takes a question on the limit, a draw or a repayment, and the phone line suits anything urgent around a payment date.

Is this a loan or a revolving line?+

It is a revolving credit line for businesses rather than a single payout, and the listed loan types are business and credit line. You draw against the limit as the business needs working capital, repay what is drawn, and pay on that balance under the same fee terms.

Sources

  • bluevine.com checked September 26, 2026

    Backs: Legal entity, Lender type

    “Bluevine Inc.”

  • bluevine.com/business-loans checked September 26, 2026

    Backs: Free early repayment, Loan types

    “Revolving line that replenishes as you repay”

  • bluevine.com/business-loans/line-of-credit checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Eligibility, Features, Funding time, Arrangement fee, Support channels

    “Apply for credit lines up to $250,000 and only pay for what you use, with no maintenance fees.”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Term, Representative example.

Bluevine

Bluevine

A revolving business credit line of up to $250,000 with no maintenance fees.

9.2/10See alternatives

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