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<!DOCTYPE html><html lang="en-US"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:site" content="@Bluevine"/><meta name="twitter:creator" content="@Bluevine"/><meta property="og:type" content="website"/><meta property="og:locale" content="en_US"/><meta property="og:site_name" content="Bluevine"/><meta name="description" content="Looking for a business line of credit? Bluevine provides lines of credit up to $250,000 with rates as low as 7.8%. Learn more today."/><meta property="og:description" content="Looking for a business line of credit? Bluevine provides lines of credit up to $250,000 with rates as low as 7.8%. Learn more today."/><meta property="og:url" content="https://www.bluevine.com/partner/cnbc"/><meta property="og:image" content="https://www.bluevine.com/images/og-images/Bluevine-Business-Line-of-Credit.png"/><meta property="og:image:width" content="2400"/><meta property="og:image:height" content="1260"/><meta property="og:url" content="https://www.bluevine.com/partner/cnbc"/><script type="application/ld+json">{"@context":"https://schema.org","@type":"Product","description":"Looking for a business line of credit? Bluevine provides lines of credit up to $250,000 with rates as low as 7.8%. Learn more today.","slogan":"Business Line of Credit for Small Business","releaseDate":"2016-05-13T08:00:00+08:00","image":["https://www.bluevine.com/images/business-line-of-credit/hero.png"],"brand":{"@type":"Brand","name":"Bluevine"},"review":[{"datePublished":"2022-07-29T01:34:40.000Z","reviewBody":"I had a short term capital need to bridge my growing business. Angie came to the rescue and provided amazing customer service, attentiveness and transparency. Angie sealed the deal for me.","name":"I had a short term capital need to…","@type":"Review","author":{"@type":"Person","name":"Nicholas"},"reviewRating":{"bestRating":"5","ratingValue":"5","worstRating":"1","@type":"Rating"},"publisher":{"@type":"Organization","name":"Trustpilot"}}],"aggregateRating":{"@type":"AggregateRating","reviewCount":"7138","ratingValue":"4.3"},"name":"Line of Credit"}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"Article","datePublished":"2024-03-01T08:00:00+08:00","description":"Looking for a business line of credit? Bluevine provides lines of credit up to $250,000 with rates as low as 7.8%. Learn more today.","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.bluevine.com/business-loans/line-of-credit"},"headline":"Business Line of Credit for Small Business","image":["https://www.bluevine.com/images/business-line-of-credit/hero.png"],"dateModified":"2024-03-21T09:00:00+08:00","author":[{"@type":"Person","name":"Bluevine","url":"https://www.bluevine.com"}],"publisher":{"@type":"Organization","name":"Bluevine","logo":{"@type":"ImageObject","url":"https://www.bluevine.com/images/logo.png"}}}</script><link rel="preload" as="image" imageSrcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=384&q=75 384w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=432&q=75 432w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=640&q=75 640w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=750&q=75 750w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=828&q=75 828w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=1080&q=75 1080w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=1200&q=75 1200w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=1920&q=75 1920w" imageSizes="(max-width: 768px) 50vw, (max-width: 1200px) 50vw, 100vw" fetchpriority="high"/><script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is a business line of credit?","acceptedAnswer":{"@type":"Answer","text":" A business line of credit gives you access to funding when you want it, up to your credit limit. Unlike traditional one-time loans, a Bluevine Line of Credit is “revolving credit,” meaning your available credit replenishes as you make repayments, so you can draw additional funds without having to fully re-apply. Though, all draws are subject to review and approval."}},{"@type":"Question","name":"How does a Bluevine Line of Credit work?","acceptedAnswer":{"@type":"Answer","text":"Once approved for a credit line, you can request funds directly from your Bluevine dashboard. We’ll deposit funds in your account as soon as a few hours, pending review and approval. Depending on which repayment plan you qualified for, we’ll automatically debit your account for weekly or monthly repayments. As you pay off your balance, the amount of available credit you can request automatically replenishes. Because your repayments are calculated with simple interest, you can save on interest when you pay early. We don’t charge early repayment fees."}},{"@type":"Question","name":"How can I get a line of credit through Bluevine?","acceptedAnswer":{"@type":"Answer","text":"You can apply for a Bluevine Line of Credit on our website. We’ll ask you for some basic information about you and your business. Once your application is submitted, you could get a decision in as little as five minutes.Just make sure you meet these minimum qualifications: - $10,000 in monthly revenue - 625+ personal FICO credit score - In business for 12+ months - Corporation or LLC - No bankruptcies in the past year - In good standing with your Secretary of State - Business is operating or incorporated in an eligible U.S. state - Ineligible states include: Nevada, North Dakota, South Dakota - An active bank connection or statements from the last 3 months (a connected account makes it faster and easier to confirm your information). It’s even easier to apply for a line of credit if you already have a Bluevine Business Checking account."}},{"@type":"Question","name":"What businesses are eligible for a line of credit?","acceptedAnswer":{"@type":"Answer","text":"You can apply for a Bluevine Line of Credit as long as your business meets the minimum qualifications and does not operate in one of the following ineligible industries or states: Ineligible industries - Illegal gambling - Pornography and paraphernalia - Political campaigns - Firearms and paraphernalia - Other controlled substances (including medicinal marijuana, marijuana, cannabis, and hemp) and paraphernalia - Financial institutions and lenders (including insurance, penny auction companies, and cryptocurrency) - Auto dealerships Ineligible states - Nevada - North Dakota - South Dakota - U.S. territories"}},{"@type":"Question","name":"Can I open a Bluevine Business Checking account with my line of credit?","acceptedAnswer":{"@type":"Answer","text":"Yes! If approved, your Bluevine Line of Credit comes with a complimentary Bluevine Business Checking account, which you'll be able to set up during onboarding. This allows you to conveniently manage your business checking account and line of credit from one easy-to-use dashboard. Plus, you can instantly access approved draws from your line of credit in your business checking account. "}},{"@type":"Question","name":"Does applying for a Bluevine Line of Credit affect my credit score?","acceptedAnswer":{"@type":"Answer","text":"While applying and reviewing an offer will not impact your personal credit score, accepting an offer may result in a hard inquiry. Further, if you default on a Bluevine Line of Credit you may be subject to negative business reporting and personal credit reporting in your role as guarantor."}},{"@type":"Question","name":"How can a Bluevine Line of Credit help my business grow?","acceptedAnswer":{"@type":"Answer","text":"With funds in as fast as 24 hours, simple interest rates, and no prepayment penalties, a Bluevine Line of Credit lets you take advantage of growth opportunities early.You could use a line of credit to cover payroll, hire full-time or seasonal employees as you need them, stock up on extra inventory during a sales rush, or buy materials or equipment for your next big project. You could also renovate your office, warehouse, or storefront, or lease a larger one. Learn how to make the most out of your line of credit."}}]}</script><title>CNBC | Bluevine</title><meta name="robots" content="noindex,nofollow,max-snippet:-1,max-image-preview:large,max-video-preview:-1"/><meta property="og:title" content="CNBC | Bluevine"/><link rel="canonical" href="https://www.bluevine.com/partner/cnbc"/><script type="application/ld+json">{"@context":"https://schema.org","@type":"Corporation","@id":"https://www.bluevine.com/partner/cnbc/#corporation","logo":"https://www.bluevine.com/images/logo.png","legalName":"Bluevine Inc.","name":"Bluevine","sameAs":["https://www.facebook.com/bluevinecapital","https://www.instagram.com/bluevine","https://www.linkedin.com/company/bluevine","https://www.youtube.com/bluevine","https://www.pinterest.com/bluevine","https://twitter.com/Bluevine"],"url":"https://www.bluevine.com/partner/cnbc","address":{"@type":"PostalAddress","streetAddress":"30 Montgomery St, Suite 1400","addressLocality":"Jersey 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class="list-unstyled d-flex align-items-center justify-content-around mb-0 me-5 me-xl-0 pt-8 pt-xl-0 border-top border-top-xl-0 ms-auto h-100 h-md-auto navbar__content--cta"><li class="ms-xl-10"><a href="https://app.bluevine.com/signup" class="btn btn-blue" data-testid="cta-signup" data-track="true">Start application</a></li></ul></div></nav></div></div></div></header><div data-testid="PartnerLogoMobile" class="position-absolute w-100 d-flex d-xl-none pt-13 pt-md-14 pb-7 mb-n10 z-index-2"><div class="container"><div class="row"><div class="d-flex col-12"><div class="pe-7 ff-gellix fw-semibold font-size-16 col-auto">In partnership with</div><div class="col-auto"><img src="https://bluevinecorp.wpengine.com/wp-content/uploads/2020/12/Select_logo_2.png" width="220" height="62" alt="" aria-hidden="true" class="jsx-3448389048 jsx-1079204733 logo img-fluid"/></div></div></div></div></div><main id="content" data-testid="content"><section class="position-relative pt-12 pt-lg-15 pb-10 pb-xl-14 overflow-x-clip bg-blue-light" data-id="hero" data-testid="hero"><div class="container"><div class="row"><div class="col-12 col-md-6 pt-7 pt-md-10 pe-xl-0 order-last order-md-first"><h1 data-testid="heading" class="font-size-42 font-size-xl-70 font-size-xxl-80 mb-8 mb-xl-10">Grow with a business <br class="d-none d-xl-block"/>line of credit.</h1><p data-testid="subheading" class="font-size-20 font-size-xl-24 mb-9 mb-xl-10">Get instant funding<sup>BVSUP-00127</sup> with rates as low as <br class="d-none d-xl-block"/>7.8% for top qualifying customers.<sup>BVSUP-00142</sup> Apply <br class="d-none d-xl-block"/>with no impact to your credit score.<sup>BVSUP-00008</sup></p><a class="btn btn-blue btn-lg" data-testid="cta" data-track="true" href="https://app.bluevine.com/signup">Start application</a><div data-testid="HeroBadge" data-nosnippet="true" class="mt-10 mt-lg-11 row"><div class="d-flex flex-row align-items-center col-12"><img src="/images/common/badge_bbb.png" class="me-7 me-md-0" width="68" height="40" alt="" aria-hidden="true"/><p class="ff-gellix font-size-12 lh-sm mb-0 ps-md-7">Bluevine is a financial technology company, not a bank. <br class="d-none d-xl-block"/>The Bluevine Line of Credit is issued by Celtic Bank.</p></div></div></div><div class="col-10 col-md-6 ps-md-5 d-flex align-items-end justify-content-xl-end mt-7 mt-xl-0"><div class="overflow-hidden lh-0 w-100 img-fluid d-block ms-auto overflow-hidden rounded-top-start-45 bg-periwinkle max-width-lg-600" data-testid="Mask"><img alt="" aria-hidden="true" data-testid="HeroImg" fetchpriority="high" width="1200" height="1200" decoding="async" data-nimg="1" class="img-fluid" style="color:transparent" sizes="(max-width: 768px) 50vw, (max-width: 1200px) 50vw, 100vw" srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=384&q=75 384w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=432&q=75 432w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=640&q=75 640w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=750&q=75 750w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=828&q=75 828w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=1080&q=75 1080w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=1200&q=75 1200w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=1920&q=75 1920w" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhero.22fa85f9.png&w=1920&q=75"/></div></div></div></div></section><section class="bg-gray-light mb-lg-15" data-testid="TextBanner"><div class="container"><div class="d-flex align-items-center bg-box mx-0 row"><div class="col-12 col-md-3 col-xl-4 py-8 py-lg-12 col"><h2 class="font-size-42 font-size-xl-72 mb-0">$14B+</h2><p class="font-size-md-20 font-size-xl-24 mb-0 ff-gellix">working capital delivered<sup>BVSUP-00052</sup></p></div><div class="col-12 col-md-6 col-xl-8 py-8 py-md-7 col"><p class="font-size-md-20 font-size-xl-24 ff-gellix mb-0">Join the growing community of 500K+ businesses across the U.S. we’ve helped access the funding and banking solutions they need.</p></div></div></div></section><section data-testid="Products" class="jsx-2312987068 mt-12 mt-lg-15"><div class="container"><div class="justify-between row"><div class="col-12"><h2 class="jsx-2312987068 font-size-36 font-size-xl-72 text-center mb-8">Quick, easy access to a<br class="d-none d-lg-block" /> business line of credit.</h2><p class="jsx-2312987068 font-size-20 font-size-xl-24 text-center mb-13">Access the capital you need to run and grow your business smoothly, with<br class="d-none d-lg-block" /> competitive rates and automatic repayments.</p></div><div class="col-lg-4 mb-8 mb-lg-0 col-12"><div data-testid="card" class="jsx-2312987068 card h-100 bg-blue-light py-10 px-7 p-xl-10 pb-11 text-center"><img src="/images/landing-page/business-loans-01-funds.png" alt="blue logo showing graphs" width="197" height="240" loading="lazy" aria-hidden="true" class="jsx-2312987068 icon"/><h3 class="jsx-2312987068 font-size-28 font-size-xl-32 mt-7 mb-2 mt-lg-8 mb-lg-7">Instant access to <br class="d-none d-lg-block" />funds</h3><p class="jsx-2312987068 font-size-18 font-size-xl-20 text-navy mt-7 mb-0">Get instant access to approved draws with a Bluevine Business Checking account.</p></div></div><div class="col-lg-4 mb-8 mb-lg-0 col-12"><div data-testid="card" class="jsx-2312987068 card h-100 bg-blue-light py-10 px-7 p-xl-10 pb-11 text-center"><img src="/images/landing-page/business-loans-01-credit.png" alt="blue logo showing graphs" width="218" height="240" loading="lazy" aria-hidden="true" class="jsx-2312987068 icon"/><h3 class="jsx-2312987068 font-size-28 font-size-xl-32 mt-7 mb-2 mt-lg-8 mb-lg-7">Credit lines up to <br class="d-none d-lg-block" />$250K</h3><p class="jsx-2312987068 font-size-18 font-size-xl-20 text-navy mt-7 mb-0">Apply for credit lines up to $250,000, with rates as low as 7.8% for top qualifying customers and no maintenance fees.<sup>BVSUP-00142</sup></p></div></div><div class="col-lg-4 col-12"><div data-testid="card" class="jsx-2312987068 card h-100 bg-blue-light py-10 px-7 p-xl-10 pb-11 text-center"><img src="/images/landing-page/business-loans-01-capital.png" alt="blue logo showing graphs" width="216" height="240" loading="lazy" aria-hidden="true" class="jsx-2312987068 icon"/><h3 class="jsx-2312987068 font-size-28 font-size-xl-32 mt-7 mb-2 mt-lg-8 mb-lg-7">Access to <br class="d-none d-lg-block" />ongoing capital</h3><p class="jsx-2312987068 font-size-18 font-size-xl-20 text-navy mt-7 mb-0">Draw funds when you need to cover big expenses, improve cash flow, and take advantage of growth opportunities<sup>BVSUP-00127</sup> — and only pay for what you use.</p></div></div></div></div></section><section data-testid="BannerPremier" class="jsx-5a2cb64a727f04fc my-14 my-xl-15"><div class="container"><div class="py-9 rounded-bottom-end-9 mx-0 align-items-center justify-content-center border border-5 border-periwinkle row"><div class="col-12 col-lg-2 px-0 text-center d-none d-lg-block col"><img src="/images/common/bluevine-growth.svg" alt="Bluevine growth" aria-hidden="true" width="148" height="116"/></div><div class="col-12 col-lg-8 pt-7 px-5 ps-lg-10 col"><div class="align-items-center row"><div class="col col-lg-12 col"><h2 id="heading-use-your-line-to-build-business-credit-0" class="jsx-5a2cb64a727f04fc font-size-20 font-size-xl-36">Use your line to build business credit.</h2></div></div><p class="jsx-5a2cb64a727f04fc font-size-16 font-size-xl-20 mt-8"><b>A Bluevine Line of Credit may help set your business up for growth.</b> We report your repayment history to Experian, so you can improve your business credit score for future financing opportunities with consistent, on-time repayments.</p></div><div class="col-12 col-lg-2 pt-7 px-5 px-lg-0 text-lg-center col"><a class="btn btn-blue btn btn-blue bg-white text-blue border-blue hover:text-white hover:border-blue hover:bg-blue" data-testid="LinkCta" data-track="true" id="link-use-your-line-to-build-business-credit-0" aria-labelledby="link-use-your-line-to-build-business-credit-0 heading-use-your-line-to-build-business-credit-0" href="/blog/building-business-credit">Learn more<span class="jsx-5a2cb64a727f04fc screen-reader-text"> About Bluevine Premier</span></a></div></div></div></section><section class="mb-0 mt-10 mt-lg-11 mb-lg-13" data-testid="GridTextImage"><div class="container"><div class="row"><div class="col-12"><h2 class="font-size-36 font-size-xl-72 mb-9 mb-xl-14" id="heading-get-started-with-your-line-of-credit-0">Get started with your line of credit.</h2></div></div><div class="align-items-center row"><div class="col-12 col-md-7 col-lg-6 offset-lg-1"><div class="row py-7 mx-0 pe-lg-4 col-12"><img src="/images/icons/number-1-duo.svg" width="55" height="55" alt="" aria-hidden="true" loading="lazy" class="col-auto px-0 max-width-55"/><div class="border-bottom col border-bottom-0 ps-lg-5 pe-0 pe-lg-4"><h3 class="font-size-20 font-size-lg-32 d-flex align-items-start justify-content-between mb-7 mb-lg-8"><span class="pe-4 pe-lg-0">Apply online in minutes.</span></h3><p class="font-size-15 font-size-xl-20 text-navy mb-lg-8">Provide basic info about your business, and get a decision in as fast as five minutes. Plus, applying won’t impact your credit score.<sup>BVSUP-00008</sup></p></div></div><div class="row py-7 mx-0 pe-lg-4 col-12"><img src="/images/icons/number-2-duo.svg" width="55" height="55" alt="" aria-hidden="true" loading="lazy" class="col-auto px-0 max-width-55"/><div class="border-bottom col border-bottom-0 ps-lg-5 pe-0 pe-lg-4"><h3 class="font-size-20 font-size-lg-32 d-flex align-items-start justify-content-between mb-7 mb-lg-8"><span class="pe-4 pe-lg-0">Access funds in a click</span></h3><p class="font-size-15 font-size-xl-20 text-navy mb-lg-8">Request funds in a click, and see approved draws in your account in as fast as 24 hours—or instantly with a Bluevine Business Checking account.<sup>BVSUP-00008</sup></p></div></div><div class="mb-8 row py-7 mx-0 pe-lg-4 col-12"><img src="/images/icons/number-3-duo.svg" width="55" height="55" alt="" aria-hidden="true" loading="lazy" class="col-auto px-0 max-width-55"/><div class="border-0 col border-bottom-0 ps-lg-5 pe-0 pe-lg-4"><h3 class="font-size-20 font-size-lg-32 d-flex align-items-start justify-content-between mb-7 mb-lg-8"><span class="pe-4 pe-lg-0">Make automatic repayments</span></h3><p class="font-size-15 font-size-xl-20 text-navy mb-lg-8">Repay automatically on a fixed schedule, and your credit line will replenish as you make repayments.</p></div></div></div><div class="col-12 col-md-5 d-flex align-items-start mb-9 mb-md-0 order-first"><div class="d-flex justify-content-center" data-testid="LoadingSpinner"><span style="display:inherit;position:relative;width:100px;height:4px;overflow:hidden;background-color:rgba(25, 67, 220, 0.2);background-clip:padding-box"><span style="position:absolute;height:4px;overflow:hidden;background-color:#1943dc;background-clip:padding-box;display:block;border-radius:2px;will-change:left, right;animation-fill-mode:forwards;animation:react-spinners-BarLoader-long 2.1s cubic-bezier(0.65, 0.815, 0.735, 0.395) infinite"></span><span style="position:absolute;height:4px;overflow:hidden;background-color:#1943dc;background-clip:padding-box;display:block;border-radius:2px;will-change:left, right;animation-fill-mode:forwards;animation:react-spinners-BarLoader-short 2.1s 1.15s cubic-bezier(0.165, 0.84, 0.44, 1) infinite"></span></span></div></div></div></div></section><section class="mt-lg-16 mb-lg-15 py-10 pt-lg-14 pb-lg-13 pt-xl-15 pb-xl-14 bg-blue-light" data-testid="TextIconList"><div class="container"><div class="justify-content-center row"><div class="col-12 col-lg-6 col"><h2 class="font-size-36 font-size-xl-60 text-start mb-8">Business checking <br class="d-none d-lg-block" />that works with your <br class="d-none d-lg-block" />line of credit.</h2><p class="font-size-20 font-size-xl-24 text-start">Enjoy even more exclusive benefits by pairing<br class="d-none d-lg-block" /> your Bluevine Line of Credit with a Bluevine<br class="d-none d-lg-block" /> Business Checking account.</p></div><div class="col-12 col-lg-6 col"><ul class="justify-content-between text-center text-lg-start row list-unstyled mb-0"><li class="col-12 d-flex align-items-center mb-8 mb-xl-10"><div class="pe-8"><img src="/images/icons/discount-periwinkle.svg" width="55" height="55" alt="" loading="lazy" aria-hidden="true"/></div><div><h3 class="font-size-20 font-size-xl-32 mb-0 text-start">Discounted rates on your line<sup>BVSUP-00179</sup></h3></div></li><li class="col-12 d-flex align-items-center mb-8 mb-xl-10"><div class="pe-8"><img src="/images/icons/fast-funding-periwinkle.svg" width="55" height="55" alt="" loading="lazy" aria-hidden="true"/></div><div><h3 class="font-size-20 font-size-xl-32 mb-0 text-start">Instant access to approved draws</h3></div></li><li class="col-12 d-flex align-items-center mb-8 mb-xl-10"><div class="pe-8"><img src="/images/icons/growth-periwinkle.svg" width="55" height="55" alt="" loading="lazy" aria-hidden="true"/></div><div><h3 class="font-size-20 font-size-xl-32 mb-0 text-start">High-yield interest on your <br class="d-none d-lg-block" />checking balances<sup>BVSUP-00118</sup></h3></div></li><li class="col-12 d-flex align-items-center mb-8 mb-xl-10"><div class="pe-8"><img src="/images/icons/trust-security-duo-periwinkle.svg" width="55" height="55" alt="" loading="lazy" aria-hidden="true"/></div><div><h3 class="font-size-20 font-size-xl-32 mb-0 text-start">FDIC insurance up to $3M<sup>BVSUP-00108</sup></h3></div></li></ul></div></div></div></section><section class="my-13 my-lg-16" data-testid="GridTextImage"><div class="container"><div class="align-items-center row"><div class="col-12 col-md-6"><h2 class="font-size-36 font-size-xl-60 mb-7 mb-xl-10" id="heading-expert-support-when-you-need-it-0">Expert support when <br class="d-none d-lg-block" />you need it.</h2><p class="font-size-18 font-size-xl-20 mb-9 mb-xl-10">The personalized support you need is just a message or phone call away, with real people ready to help. <br/><br/> You can also explore self-guided resources any time in our <a href="https://support.bluevine.com/s/" class="text-decoration-underline" target="_blank" rel="noreferrer noopener">Help Center</a>.</p></div><div class="col-12 col-md-5 offset-lg-1 d-flex align-items-start mb-9 mb-lg-0 order-first order-lg-last"><div class="overflow-hidden lh-0 w-100 max-width-lg-500 ms-auto rounded-top-end-90 rounded-top-start-90" data-testid="Mask"><img alt="" aria-hidden="true" loading="lazy" width="1000" height="1000" decoding="async" data-nimg="1" class="img-fluid" style="color:transparent" sizes="(max-width: 768px) 50vw, (max-width: 1200px) 50vw, 100vw" srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fexpert-support.bad024e8.jpg&w=384&q=75 384w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fexpert-support.bad024e8.jpg&w=432&q=75 432w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fexpert-support.bad024e8.jpg&w=640&q=75 640w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fexpert-support.bad024e8.jpg&w=750&q=75 750w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fexpert-support.bad024e8.jpg&w=828&q=75 828w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fexpert-support.bad024e8.jpg&w=1080&q=75 1080w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fexpert-support.bad024e8.jpg&w=1200&q=75 1200w, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fexpert-support.bad024e8.jpg&w=1920&q=75 1920w" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fexpert-support.bad024e8.jpg&w=1920&q=75"/></div></div></div></div></section><section class="mb-14 mb-lg-15" data-testid="AccordionFaqs"><div class="container"><div class="row"><div class="col-12"><h2 class="font-size-xl-60 mb-10 mb-lg-12">Line of credit FAQs</h2><div data-item="accordion" data-testid="AccordionFaqsItems" class="accordion"><div class="accordion-item"><h3 class="accordion-header"><button type="button" aria-expanded="false" class="accordion-button collapsed"><span class="d-flex justify-content-between align-items-center" data-testid="AccordionToggle" data-item="line of credit"><span class="text pe-10" id="faq-what-is-a-business-line-of-credit">What is a business line of credit?</span><span class="icon d-inline-block lh-0" style="height:20px"><img src="/images/icons/plus-blue.svg" width="20" height="20" alt="" loading="lazy" aria-hidden="true"/></span></span></button></h3><div class="accordion-collapse collapse"><div role="region" aria-labelledby="faq-what-is-a-business-line-of-credit" class="accordion-body"><p> A business line of credit gives you access to funding when you want it, up to your credit limit. Unlike traditional one-time loans, a Bluevine Line of Credit is “revolving credit,” meaning your available credit replenishes as you make repayments, so you can draw additional funds without having to fully re-apply. Though, all draws are subject to review and approval.<sup>BVSUP-00127</sup></p></div></div></div><div class="border-top-0 accordion-item"><h3 class="accordion-header"><button type="button" aria-expanded="false" class="accordion-button collapsed"><span class="d-flex justify-content-between align-items-center" data-testid="AccordionToggle" data-item="line of credit"><span class="text pe-10" id="faq-how-does-a-bluevine-line-of-credit-work">How does a Bluevine Line of Credit work?</span><span class="icon d-inline-block lh-0" style="height:20px"><img src="/images/icons/plus-blue.svg" width="20" height="20" alt="" loading="lazy" aria-hidden="true"/></span></span></button></h3><div class="accordion-collapse collapse"><div role="region" aria-labelledby="faq-how-does-a-bluevine-line-of-credit-work" class="accordion-body"><p>Once approved for a credit line, you can request funds directly from your Bluevine dashboard. We’ll deposit funds in your account as soon as a few hours, pending review and approval. Depending on which <a target="_blank" class="text-decoration-underline" href="https://support.bluevine.com/s/article/What-are-the-Bluevine-Line-of-Credit-repayment-plans-and-their-requirements">repayment plan</a> you qualified for, we’ll automatically debit your account for weekly or monthly repayments. As you pay off your balance, the amount of available credit you can request automatically replenishes. Because your repayments are calculated with simple interest, you can save on interest when you pay early. We don’t charge early repayment fees.</p></div></div></div><div class="border-top-0 accordion-item"><h3 class="accordion-header"><button type="button" aria-expanded="false" class="accordion-button collapsed"><span class="d-flex justify-content-between align-items-center" data-testid="AccordionToggle" data-item="line of credit"><span class="text pe-10" id="faq-how-can-i-get-a-line-of-credit-through-bluevine">How can I get a line of credit through Bluevine?</span><span class="icon d-inline-block lh-0" style="height:20px"><img src="/images/icons/plus-blue.svg" width="20" height="20" alt="" loading="lazy" aria-hidden="true"/></span></span></button></h3><div class="accordion-collapse collapse"><div role="region" aria-labelledby="faq-how-can-i-get-a-line-of-credit-through-bluevine" class="accordion-body"><p>You can <a target="_blank" class="text-decoration-underline" href="https://app.bluevine.com/signup/">apply for a Bluevine Line of Credit on our website</a>. We’ll ask you for some basic information about you and your business. Once your application is submitted, you could get a decision in as little as five minutes.</p><p>Just make sure you meet these minimum qualifications:</p> <ul> <li>$10,000 in monthly revenue</li> <li>625+ personal FICO credit score</li> <li>In business for 12+ months</li> <li>Corporation or LLC</li> <li>No bankruptcies in the past year</li> <li>In good standing with your Secretary of State</li> <li>Business is operating or incorporated in an eligible U.S. state</li> <li>Ineligible states include: Nevada, North Dakota, South Dakota</li> <li>An active <a target="_blank" class="text-decoration-underline" href="https://support.bluevine.com/s/article/What-is-a-bank-connection">bank connection</a> or statements from the last 3 months (a connected account makes it faster and easier to confirm your information).</li> </ul> <p>It’s even easier to apply for a line of credit if you already have a <a class="text-decoration-underline" href="/business-checking">Bluevine Business Checking account</a>.</p></div></div></div><div class="border-top-0 accordion-item"><h3 class="accordion-header"><button type="button" aria-expanded="false" class="accordion-button collapsed"><span class="d-flex justify-content-between align-items-center" data-testid="AccordionToggle" data-item="line of credit"><span class="text pe-10" id="faq-what-businesses-are-eligible-for-a-line-of-credit">What businesses are eligible for a line of credit?</span><span class="icon d-inline-block lh-0" style="height:20px"><img src="/images/icons/plus-blue.svg" width="20" height="20" alt="" loading="lazy" aria-hidden="true"/></span></span></button></h3><div class="accordion-collapse collapse"><div role="region" aria-labelledby="faq-what-businesses-are-eligible-for-a-line-of-credit" class="accordion-body"><p>You can apply for a Bluevine Line of Credit as long as your business meets the minimum qualifications and does not operate in one of the following ineligible industries or states:</p><p> <strong>Ineligible industries</strong></p> <ul> <li>Illegal gambling</li> <li>Pornography and paraphernalia</li> <li>Political campaigns</li> <li>Firearms and paraphernalia</li> <li>Other controlled substances (including medicinal marijuana, marijuana, cannabis, and hemp) and paraphernalia</li> <li>Financial institutions and lenders (including insurance, penny auction companies, and cryptocurrency)</li> <li>Auto dealerships</li></ul> <br/><p><strong>Ineligible states</strong></p> <ul><li> Nevada</li> <li>North Dakota</li><li>South Dakota</li><li>U.S. territories</li></ul></div></div></div><div class="border-top-0 accordion-item"><h3 class="accordion-header"><button type="button" aria-expanded="false" class="accordion-button collapsed"><span class="d-flex justify-content-between align-items-center" data-testid="AccordionToggle" data-item="line of credit"><span class="text pe-10" id="faq-can-i-open-a-bluevine-business-checking-account-with-my-line-of-credit">Can I open a Bluevine Business Checking account with my line of credit?</span><span class="icon d-inline-block lh-0" style="height:20px"><img src="/images/icons/plus-blue.svg" width="20" height="20" alt="" loading="lazy" aria-hidden="true"/></span></span></button></h3><div class="accordion-collapse collapse"><div role="region" aria-labelledby="faq-can-i-open-a-bluevine-business-checking-account-with-my-line-of-credit" class="accordion-body"><p>Yes! If approved, your Bluevine Line of Credit comes with a complimentary <a class="text-decoration-underline" href="/business-checking">Bluevine Business Checking account</a>, which you'll be able to set up during onboarding. This allows you to conveniently manage your business checking account and line of credit from one easy-to-use dashboard. Plus, you can instantly access approved draws from your line of credit in your business checking account. </p></div></div></div><div class="border-top-0 accordion-item"><h3 class="accordion-header"><button type="button" aria-expanded="false" class="accordion-button collapsed"><span class="d-flex justify-content-between align-items-center" data-testid="AccordionToggle" data-item="line of credit"><span class="text pe-10" id="faq-does-applying-for-a-bluevine-line-of-credit-affect-my-credit-score">Does applying for a Bluevine Line of Credit affect my credit score?</span><span class="icon d-inline-block lh-0" style="height:20px"><img src="/images/icons/plus-blue.svg" width="20" height="20" alt="" loading="lazy" aria-hidden="true"/></span></span></button></h3><div class="accordion-collapse collapse"><div role="region" aria-labelledby="faq-does-applying-for-a-bluevine-line-of-credit-affect-my-credit-score" class="accordion-body"><p>While applying and reviewing an offer will not impact your personal credit score, accepting an offer may result in a hard inquiry. Further, if you default on a Bluevine Line of Credit you may be subject to negative business reporting and personal credit reporting in your role as guarantor.</p></div></div></div><div class="border-top-0 accordion-item"><h3 class="accordion-header"><button type="button" aria-expanded="false" class="accordion-button collapsed"><span class="d-flex justify-content-between align-items-center" data-testid="AccordionToggle" data-item="line of credit"><span class="text pe-10" id="faq-how-can-a-bluevine-line-of-credit-help-my-business-grow">How can a Bluevine Line of Credit help my business grow?</span><span class="icon d-inline-block lh-0" style="height:20px"><img src="/images/icons/plus-blue.svg" width="20" height="20" alt="" loading="lazy" aria-hidden="true"/></span></span></button></h3><div class="accordion-collapse collapse"><div role="region" aria-labelledby="faq-how-can-a-bluevine-line-of-credit-help-my-business-grow" class="accordion-body"><p>With funds in as fast as 24 hours, simple interest rates, and no prepayment penalties, a Bluevine Line of Credit lets you take advantage of growth opportunities early.</p><p>You could use a line of credit to cover payroll, hire full-time or seasonal employees as you need them, stock up on extra inventory during a sales rush, or buy materials or equipment for your next big project. You could also renovate your office, warehouse, or storefront, or lease a larger one. <a class="text-decoration-underline" href="/guides/line-of-credit/how-to-use-line-of-credit">Learn how to make the most out of your line of credit</a>.</p></div></div></div></div></div></div></div></section><section data-testid="Products" class="jsx-3265856956 my-13 my-xl-15"><div class="container"><div class="justify-between row"><div class="col-12"></div><div class="col-lg-6 mb-8 mb-lg-0 col-12"><div data-testid="card" class="jsx-3265856956 card h-100 bg-blue-light py-10 px-7 p-xl-10 pb-11"><img src="/images/icons/transparent-pricing.svg" width="55" height="55" loading="lazy" aria-hidden="true" class="jsx-3265856956 icon"/><h2 class="jsx-3265856956 font-size-30 font-size-xl-40 mb-7 mt-8 min-height-lg-80">Need a traditional business loan?</h2><p class="jsx-3265856956 font-size-15 font-size-xl-24 mb-0">Apply online in minutes for a term loan up to $500,000 from our lending partners.</p><a class="btn btn-blue mt-8 mt-lg-10" href="/business-loans/term-loan">Learn more</a></div></div><div class="col-lg-6 col-12"><div data-testid="card" class="jsx-3265856956 card h-100 bg-blue-light py-10 px-7 p-xl-10 pb-11 bg-periwinkle"><img src="/images/icons/small-business-fill.svg" width="55" height="55" loading="lazy" aria-hidden="true" class="jsx-3265856956 icon"/><h2 class="jsx-3265856956 font-size-30 font-size-xl-40 mb-7 mt-8 min-height-lg-80">Looking for SBA funding?</h2><p class="jsx-3265856956 font-size-15 font-size-xl-24 mb-0">We’ve partnered with Fundera by NerdWallet to help you access SBA 7(a) loans up to $350,000.</p><a class="btn btn-blue mt-8 mt-lg-10" href="/business-loans/sba-loan">Contact sales</a></div></div></div></div></section><section data-testid="RelatedContent" class="jsx-8522eb3d0a1320e4 py-10 py-lg-15 bg-navy"><div class="container"><div class="row"><div class="col-md-8 col-12"><h2 class="jsx-8522eb3d0a1320e4 font-size-36 font-size-xl-72 fw-semibold text-white mb-8">Explore helpful guides.</h2><p class="jsx-8522eb3d0a1320e4 col-12 text-start font-size-18 font-size-xl-24 text-white mb-0">Learn how to make the most of your Bluevine account with these in-depth product guides and resources.</p></div><div class="col-md-4 col-12"><div class="jsx-8522eb3d0a1320e4 d-md-flex justify-content-end mt-8 mt-md-6"><a class="ff-gellix fw-semibold btn btn-lg btn-white text-navy hover:bg-blue-light hover:border-blue-light" href="/guides">View all guides</a></div></div></div><div class="jsx-8522eb3d0a1320e4 mt-10 mt-md-13 mb-4 row"><div class="jsx-8522eb3d0a1320e4 col-lg-4 px-4 col-12 px-0 mb-7 mb-xl-0"><a aria-label="Everything you need to apply for a Bluevine Line of Credit." class="d-block h-100 group" href="/guides/line-of-credit/how-to-apply"><div class="card h-100 position-relative bg-white" data-testid="RelatedContentItem"><div class="card-header overflow-hidden d-flex align-items-center justify-content-center bg-periwinkle min-height-165 min-height-xl-195"><img src="/images/guides/how-to-apply.svg" alt="" width="115" height="115" loading="lazy" aria-hidden="true" class="img-fluid"/></div><div class="card-body px-8 px-lg-8 pb-13 pt-8 pt-lg-8"><p class="font-size-14 ff-gellix fw-semibold text-blue mb-4 mb-lg-8">Business Loans</p><h3 class="font-size-28 font-size-md-32 lh-xs mb-4 mb-lg-7">Everything you need to apply for a Bluevine Line of Credit.</h3><p class="font-size-16 font-size-lg-20 d-none d-lg-block text-navy mb-0">We’ve created this guide that covers everything you need to apply.</p><span class="font-size-16 text-blue ff-gellix fw-semibold text-decoration-underline d-block position-absolute bottom-8">Read more</span></div></div></a></div><div class="jsx-8522eb3d0a1320e4 col-lg-4 px-4 col-12 px-0 mb-7 mb-xl-0"><a aria-label="How to make the most of your line of credit." class="d-block h-100 group" href="/guides/line-of-credit/how-to-use-line-of-credit"><div class="card h-100 position-relative bg-white" data-testid="RelatedContentItem"><div class="card-header overflow-hidden d-flex align-items-center justify-content-center bg-periwinkle min-height-165 min-height-xl-195"><img src="/images/guides/how-to-use-line-of-credit.svg" alt="" width="115" height="115" loading="lazy" aria-hidden="true" class="img-fluid"/></div><div class="card-body px-8 px-lg-8 pb-13 pt-8 pt-lg-8"><p class="font-size-14 ff-gellix fw-semibold text-blue mb-4 mb-lg-8">Business Loans</p><h3 class="font-size-28 font-size-md-32 lh-xs mb-4 mb-lg-7">How to make the most of your line of credit.</h3><p class="font-size-16 font-size-lg-20 d-none d-lg-block text-navy mb-0">Learn about your Bluevine Line of Credit benefits and how to use a line of credit to grow in your industry.</p><span class="font-size-16 text-blue ff-gellix fw-semibold text-decoration-underline d-block position-absolute bottom-8">Read more</span></div></div></a></div><div class="jsx-8522eb3d0a1320e4 col-lg-4 px-4 col-12 px-0 mb-7 mb-xl-0"><a aria-label="How to connect an external bank account to your Bluevine Line of Credit." class="d-block h-100 group" href="/guides/line-of-credit/connect-external-bank-accounts"><div class="card h-100 position-relative bg-white" data-testid="RelatedContentItem"><div class="card-header overflow-hidden d-flex align-items-center justify-content-center bg-periwinkle min-height-165 min-height-xl-195"><img src="/images/guides/connecting-financial-apps.svg" alt="" width="115" height="115" loading="lazy" aria-hidden="true" class="img-fluid"/></div><div class="card-body px-8 px-lg-8 pb-13 pt-8 pt-lg-8"><p class="font-size-14 ff-gellix fw-semibold text-blue mb-4 mb-lg-8">Business Loans</p><h3 class="font-size-28 font-size-md-32 lh-xs mb-4 mb-lg-7">How to connect an external bank account to your Bluevine Line of Credit.</h3><p class="font-size-16 font-size-lg-20 d-none d-lg-block text-navy mb-0">Connecting your external account can help you get the most out of your Bluevine Line of Credit...</p><span class="font-size-16 text-blue ff-gellix fw-semibold text-decoration-underline d-block position-absolute bottom-8">Read more</span></div></div></a></div></div></div></section><section class="py-11 py-xl-15 bg-blue" data-testid="Cta"><div class="container"><div class="d-flex align-items-md-center row"><div class="col-md-8 col-12"><h2 class="font-size-34 font-size-xl-60 text-white mb-9 mb-lg-0 animated fadeInUp js-on-scroll">Ready to apply for a <br class="d-none d-lg-block" />line of credit?</h2></div><div class="col-md-4 col-12"><a href="https://app.bluevine.com/signup/" class="btn btn-blue btn btn-white btn-lg text-blue hover:bg-navy hover:text-white hover:border-navy" data-testid="LinkCta" data-track="true">Start application</a><p class="text-white mt-9 mt-lg-7 mb-0 font-size-18 font-size-xl-20">Submit your application in just a few minutes with no impact to your credit score.<sup>BVSUP-00008</sup></p></div></div></div></section></main><div 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class="font-size-16 fw-semibold text-white mb-3">Deposits are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our <a href="https://support.bluevine.com/s/article/What-banks-does-Bluevine-partner-with-in-the-sweep-network" target="_blank" rel="noopener noreferrer" class="text-decoration-underline font-size-16 fw-semibold text-white">program banks</a>.</p></div></div></div></div></div><div data-id="footnotes-nav" data-testid="FootnotesNav" class="Footer_footNotes__Sj1e3 Footer_footNotesNav__P3TnR" data-nosnippet="true"><div class="container"><div class="row"><div class="col-12"><div class="Footer_borderTop__t6mXD border-top pt-7 pb-8 pt-lg-9 pb-lg-10"><ul class="ms-0 mb-0 list__top-nav"><li data-footnote="BVSUP-00007"><span>The national average and comparison are based on interest rates paid by U.S. depository institutions <a rel="noreferrer noopener" target="_blank" href="https://www.fdic.gov/resources/bankers/national-rates/">as calculated by 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Rates and terms may vary based on your creditworthiness and are subject to change. Eligibility for the maximum funding amount is available only to applicants with the strongest credit profiles. Offerings and eligibility requirements vary by partner.</span></li></ul></div></div></div></div></div><div data-id="footnotes" data-testid="Footnotes" class="Footer_footNotes__Sj1e3 d-none container-narrow px-lg-0 mx-auto" data-nosnippet="true"><div class="container"><div class="row"><div class="col-12"><div class="Footer_borderTop__t6mXD border-top pt-7 pb-10 pt-lg-9 pb-lg-12"><ol class="ms-0 mb-0"></ol></div></div></div></div></div><div data-testid="FooterDisclosure" data-nosnippet="true"><div class="container"><div class="row"><div class="col-12"><div class="Footer_borderTop__t6mXD border-top pt-10 pb-13"><p>Bluevine is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. Bluevine accounts are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our <a href="https://support.bluevine.com/s/article/What-banks-does-Bluevine-partner-with-in-the-sweep-network" target="_blank" rel="noreferrer">program banks</a>. The Bluevine Business Debit Mastercard® and Bluevine Business Cashback Mastercard® are issued by Coastal Community Bank, Member FDIC pursuant to a license from Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.</p><p>Mastercard, Mastercard Easy Savings, Mastercard Airport Concierge, Priceless Surprises and the circles design are registered trademarks and Mastercard ID Theft Protection is a trademark of Mastercard International Incorporated.</p><p>Application is subject to approval. No monthly or maintenance fees. Card Replacement Fees and Wire Transfer Fees may apply.</p><p>Banking Services for payments made via ACH or wire from the Bluevine Business Checking Account are provided by Coastal Community Bank, Member FDIC. Certain Bill Pay funds are temporarily held during payment processing by Silicon Valley Bank, a division of First-Citizens Bank & Trust Company. Money transmission services for International Payments are provided by a third party and are also subject to their applicable terms and conditions.</p><p>The Bluevine Line of Credit is issued by Celtic Bank and is serviced by Bluevine. Applications are subject to credit approval. Rates, credit lines, and terms may vary based on your creditworthiness and are subject to change. Additional fees apply. Other commercial credit products are offered by a variety of Bluevine’s third party partners. Bluevine is not involved in the issuance or servicing of these products. Offerings and eligibility requirements vary by partner.</p><p>Certain financing may be made or arranged pursuant to California Financing Law-License No. 6054789.</p><p>All other product names, logos, brands, trademarks, and registered trademarks are property of their respective owners. All company, product, and service names used in this website are for identification purposes only. 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