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Bluevine

business-lines-of-credit · US
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Bluevine is a leading online lender specializing in business lines of credit up to $250,000 with simple interest starting at 7.80% APR. It also offers free business checking accounts with no monthly fees, making it a dual-purpose platform for SMB financing and day-to-day banking. Bluevine qualifies businesses based on a combination of credit score and business revenue, requiring a minimum of 6 months in business and $10,000 in monthly revenue. Funding can be available as fast as the same business day. There are no prepayment penalties, and Bluevine integrates with major accounting platforms including QuickBooks, Xero, and Wave. Terms vary by applicant. Bluevine is available to US-based businesses only.

Quick Answer

Bluevine is designed for smb businesses. Pricing starts at $7.8/mo. A free tier is available. Best suited for US-based businesses. Competitive starting APR with simple interest (not compound)

Pricing

Line of Credit$250000/mo
Starting APR$7.8/mo
Business CheckingFree

// verify pricing before launch — prices shown may not reflect current vendor rates

Key Features

  • •Business lines of credit up to $250,000
  • •Simple interest starting at 7.80% APR — no compounding surprises
  • •Free business checking account with no monthly fees
  • •Same-day funding available for qualified applicants
  • •Minimum 6 months in business, $10K monthly revenue requirement
  • •No prepayment penalties

Pros

  • +Competitive starting APR with simple interest (not compound)
  • +Free business checking account included — no monthly or minimum fees
  • +Fast funding — same-day approval and funding possible
  • +No prepayment penalties — pay back early at no extra cost
  • +Integrates with QuickBooks, Xero, and Wave for easy bookkeeping

Cons

  • −Requires minimum 6 months in business and $10K monthly revenue
  • −Line amounts and APR depend heavily on business financials and credit
  • −Not available to non-US businesses
  • −No term loans — line of credit is the only lending product
  • −Higher credit score required compared to revenue-based only lenders

Available on

WebiOSAndroid

Integrations

Compare Bluevine with other tools

See how Bluevine stacks up against Fundbox and Kabbage (American Express) and SoFi side by side.

vs Fundboxvs Kabbage (American Express)vs SoFi
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Reviewed by Finatune · Last updated 2026-07-12