BlueVine Line of Credit

BlueVine Line of Credit

in Business Lines of Credit from BlueVine


BlueVine Line of Credit


in Business Lines of Credit from BlueVine

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APR  (Fixed APR) Starting at 4.8%
Credit Score Range 650 - 850
Loan Amount $5,000 - $250,000

BlueVine Line of Credit Review

BlueVine Line of Credit is offered by BlueVine, a direct lender founded in 2013 and based in Palo Alto, CA. BlueVine Line of Credit is available in 50 states (and Washington, DC).

BlueVine Line of Credit FAQ

What APRs does BlueVine Line of Credit offer?

BlueVine Line of Credit offers a product that ranges from 4.8% APR.

Does BlueVine Line of Credit charge an origination fee?

No, BlueVine Line of Credit does not charge an origination fee. An origination fee is what some lenders charge for processing, underwriting, and funding a business financing product. Typically fees range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.

What limitations does BlueVine Line of Credit set on the purpose of the line of credit?

BlueVine Line of Credit considers line of credit applications for business purposes, such as:

  • Equipment Purchase
  • Hiring
  • Inventory
  • Lease Improvement
  • New Location
  • Payroll
  • Product or Service Expansion
  • Working capital

Does BlueVine Line of Credit charge prepayment fees?

No, BlueVine Line of Credit does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the line of credit balance off early.

How much can you borrow from BlueVine Line of Credit?

Line of credit amounts start at $5,000 and go up to $250,000.

What do you need to qualify for BlueVine Line of Credit?

Applicants with a credit score of at least 650 and up to 850 may be eligible for BlueVine Line of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

BlueVine Line of Credit does not have or does not disclose a minimum annual income eligibility requirement.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the BlueVine Line of Credit product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by BlueVine Line of Credit. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Business formation documents
  • Proof of identity

What is the estimated funding time for the BlueVine Line of Credit?

BlueVine Line of Credit can approve (or deny) a line of credit application within 1 hour and fund business lines of credit within 1 business day of approval.

What are the business financing requirements for BlueVine Line of Credit?

To apply for BlueVine Line of Credit, the applicant needs to provide the following documentation:

  • Business license
  • Business bank account

Does BlueVine Line of Credit report your account activity to credit bureaus?

Yes, BlueVine Line of Credit reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

What types of business lines of credit does BlueVine offer?

BlueVine only offers unsecured lines of credit.

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  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Annual Fee $0
Application Fee $0
No Origination Fee  
No Prepayment Fee  
Origination Fee (%) Starting at 0%
Business Financing Requirements
  • Business License
  • Business Bank Account
Credit Score Range 650 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Non-Military
  • Veterans
Minimum Age 18
Minimum Months in Business 36
Minimum Revenue $480,000
Verification Documents Required
  • Proof of Income
  • Proof of Identity
  • Business Formation Documents
  • Recent Bank Statements
  • Social Security Number
  • Business Tax Return
  • Employer Identification Number
Collateral Requirement Unsecured
Intended Use of Funds
  • Equipment Purchase
  • Lease Improvements
  • New Location
  • Product or Service Expansion
  • Working Capital
  • Inventory
  • Payroll
  • Hiring
Minimum Draw Starting at $500
Approval Speed 1 hour
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Funding Time Range Starting at 1 day
Payment Frequency Monthly
Payment Options
  • Automatic Payments
  • Bank Transfer
APR (Fixed APR) Starting at 4.8%
Loan Amount $5,000 - $250,000

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