Bluevine is a fintech company founded in 2013 that has evolved from an invoice factoring platform into a full-service small business banking and lending platform — backed by Citi Ventures, Goldman Sachs, and Microsoft's M12. Its flagship line of credit (up to $250K, starting at 7.8% APR) is one of the most competitively priced in the online lending market, dramatically cheaper than MCAs or Fundbox for qualified borrowers. FDIC-insured business checking accounts (up to 3.0% APY, $3M FDIC coverage through program banks), integrated bill pay, and instant funding for checking account holders create a full-stack business financial platform. Best for established businesses with 12+ months of history, 625+ credit, and $120K+ annual revenue that want a revolving credit line at competitive rates with integrated banking.
Bluevine is a fintech company founded in 2013 that has evolved from an invoice factoring platform into a full-service small business banking and lending platform — backed by Citi Ventures, Goldman Sachs, and Microsoft's M12. Its flagship line of credit (up to $250K, starting at 7.8% APR) is one of the most competitively priced in the online lending market, dramatically cheaper than MCAs or Fundbox for qualified borrowers. FDIC-insured business checking accounts (up to 3.0% APY, $3M FDIC coverage through program banks), integrated bill pay, and instant funding for checking account holders create a full-stack business financial platform. Best for established businesses with 12+ months of history, 625+ credit, and $120K+ annual revenue that want a revolving credit line at competitive rates with integrated banking.
7.8% APR, integrated banking, and instant funding for checking customers make Bluevine the most cost-effective revolving line of credit for established businesses in 2026.
Bluevine is best suited to established businesses that want the lowest available rate on revolving working capital — with integrated banking as a bonus.
Keep a Bluevine line as a permanent working capital buffer — draw when needed, pay nothing when idle.
Draw to cover payroll when client payments are delayed. Repay quickly when the receivable clears at 7.8% APR.
Finance seasonal inventory builds at competitive rates — dramatically cheaper than MCA products for the same purpose.
Bridge net-30 or net-60 payment cycles with a revolving line that you draw from and repay as each invoice clears.
Use Bluevine’s checking account alongside the credit line for instant fund transfers, high-yield savings, and AP automation in one platform.
Access capital for time-sensitive opportunities — supplier deals, contract deposits, or equipment purchases — at bank-competitive rates.
Bluevine’s direct line of credit is its flagship product, with partner referrals for term loans and SBA loans accessible through one application.
Revolving credit at rates from 7.8% APR. 6-month or 12-month terms. Weekly or monthly payments (monthly requires 700+ credit). No origination, maintenance, or prepayment fees. Issued by Celtic Bank.
Term loan referrals to Bluevine’s partner lender network. Rates and terms set by partner. Bluevine’s role is matching — not direct lending. Applied for through the Bluevine dashboard.
SBA loan referrals via Fundera by NerdWallet partnership. Government-backed rates for qualified borrowers. Bluevine connects eligible applicants — not a direct SBA lender.
Complete the online form with basic business info. Connect your business bank account via Plaid for faster review. Soft credit pull — no score impact.
Automated underwriting reviews your bank account transaction history, revenue, and credit profile. Decision typically arrives in 5 minutes for most applicants.
Choose between 6-month and 12-month repayment terms. If you qualify for monthly payments (700+ credit, $80K+/month revenue), select that option.
Funds available instantly for Bluevine checking account holders or via ACH (1–3 days) or wire ($15 fee, same-day) for external accounts. Draw any amount up to your limit at any time.
|
Bluevine
|
Fundivi
|
Fora Financial
|
OnDeck
|
Credibly
|
Kapitus
|
|
|---|---|---|---|---|---|---|
| Eligibility | ||||||
| Loan Amount | $6K – $250K | $10K – $5M | $5K – $1.5M | $5K – $400K | $5K – $600K | $10K – $5M |
| Time in Business | $6K – $250K | 9+ Months | 6+ Months | 12+ Months | 6+ Months | 12+ Months |
| Monthly Revenue | $40K+ | $30K+ | $12K+ | $8,333+ | $15K+ | $21K+ |
| Min. Credit Score | 625+ | None | 500 | 625+ | 500+ | 600+ |
| Loan Details | ||||||
| Funding Speed | 24–72 Hours | Same Day | 72 Hours | Same Day | 24 Hours | 24–48 Hours |
| Approval | 5 Minutes | Within 3 Hours | — | — | 4 Hours | — |
| Rating | ||||||
| Rating | ||||||
| BBB Rating | A+ | A- | A+ | A+ | A+ | N/A |
| Apply Now | Apply | Apply | Apply | Apply | Apply | |
Bluevine is a fintech company that issues its lines of credit through Celtic Bank, a Utah-chartered Industrial Bank and FDIC member. Business checking accounts are offered through Coastal Community Bank. Term loans and SBA loans are referral products via partner lenders. Founded in 2013.
Bluevine requires a minimum personal FICO score of 625 for its standard line of credit. Monthly payment terms (vs. weekly) require 700+ credit and $80,000+ in monthly revenue. Soft pull for application; hard pull may apply.
Bluevine’s line of credit starts at 7.8% APR for top-qualifying customers. This is one of the lowest rates available from any online lender for a revolving line of credit. Your actual rate depends on credit score, revenue, and business history.
Instant funding for Bluevine Business Checking account holders. ACH transfer to external bank accounts takes 1–3 business days. Same-day wire transfer available for a $15 fee. Decision in approximately 5 minutes.
No. Bluevine’s line of credit is not available in Nevada, North Dakota, South Dakota, or US territories. Available in all other 47 states plus Washington DC.
Yes. Founded in 2013 and backed by Goldman Sachs, Citi Ventures, and Microsoft M12, Bluevine has served 1M+ businesses with $16B+ in financing. It holds an A+ BBB rating. Lines of credit are issued through Celtic Bank (FDIC member). BLIQ has independently verified Bluevine as an active, operating lender.
Bluevine is the best-priced revolving line of credit available from an online lender in 2026. A 7.8% APR starting rate, zero fees on unused credit, instant funding for checking customers, and an integrated banking platform backed by Goldman Sachs and Citi Ventures create a proposition that MCA providers and many online lenders simply cannot match. For established businesses (12+ months, 625+ credit, $120K+ annual revenue), Bluevine is the go-to line of credit.
The eligibility bar is real — no startups, no sole proprietors, not available in NV/ND/SD, and monthly payments require 700+ credit. If you don't meet the requirements, Fundbox (600 credit, 3 months in business) is the next best revolving option. But if you qualify for Bluevine and you're currently using an MCA or short-term loan for working capital, the cost difference is dramatic enough to warrant making the switch.
Visit BluevineShare your Bluevine experience. All submissions are moderated before publishing.