Bluevine – Personal Loan
Bluevine provides fast business lines of credit up to $250,000 with same-day approval, focused on small businesses with 2+ years in operation.
Applying does not obligate you to accept a loan offer.
Bluevine Business Line of Credit – Review 2026
Bluevine specializes in business lines of credit for US small businesses. Its all-online application gives most applicants a decision in minutes and funding the same day.
Bluevine Loan Details
Lines range from $6,000 to $250,000 with revolving terms of 6 or 12 months. APRs run from 6.20% to 30%. There are no fees to open or maintain the line; you only pay interest on what you draw.
✓ Pros
- Fast funding
- No prepayment penalty
- Revolving credit
- Online business banking
✗ Cons
- Requires 2+ years in business
- Personal guarantee required
- Higher rates than bank loans
Loan Example
Example: $50,000 business line draw over 12 months at 18% APR = monthly payment of $4,587.55, total payable $55,050.60.
Eligibility Requirements
- ✓ US business owner
- ✓ 2+ years in business
- ✓ Annual revenue $40,000+
- ✓ FICO 625+
- ✓ No bankruptcy in 1+ years
Loan Features
- Business line of credit
- Loans up to $250,000
- Same-day funding
- No prepayment penalty
- Online application in 5 minutes
Frequently Asked Questions
Same day after submitting your application.
The minimum amount at Bluevine is $6,000 USD.