Overview
Founded in 2013, Bluevine is a U.S.-based fintech company offering digital financial solutions for small and medium-sized businesses. Its core offering is a business line of credit, with additional access to term and SBA loans through partner lenders. Bluevine has funded thousands of businesses and is known for speed, flexibility, and user-centric digital tools.
Pros
- Quick online approval and funding
- Flexible line of credit up to $250,000
- No prepayment or maintenance fees
- Accessible to fair-credit borrowers
Cons
Why Bluevine Is Good For Your Business
Bluevine is ideal for small businesses needing immediate access to working capital. Its revolving line of credit offers ongoing flexibility, unlike lump-sum term loans. Bluevine's approval speed, straightforward criteria, and lack of maintenance or prepayment fees make it a solid option for businesses facing seasonal gaps, urgent expenses, or cash flow volatility.
Loan Features
Bluevine focuses on ease, speed, and flexibility:
- Business line of credit up to $250,000
- Repayment: Weekly/monthly over 6 or 12 months
- Fast funding: Decisions in minutes; funds in 24 hours
- Transparent fees: No origination or maintenance fees
- Only pay for what you use: Interest applies only to drawn funds
Application Process
Bluevine’s application is 100% online:
- Fill out the short form with business and personal details
- Link a business bank account for financial verification
- Get an approval decision in minutes
- Review and accept the loan offer
- Funds deposited within 24 hours
Soft credit pulls are used during pre-qualification; hard inquiries occur upon acceptance.
How Much Can You Borrow?
Loan amounts are based on business performance:
- Up to $250,000 line of credit
- Revenue: $10,000+/month
- Time in business: At least 12 months
- Credit: Personal FICO 625 or higher
- Business type: LLC/corporation in eligible U.S. states
Repayment Terms
Repayment structures include:
- 6 or 12-month durations
- Weekly or monthly installments
- Automatic debits for ease
Interest rates start around 7.8% (simple interest), but vary by borrower profile.
Privacy and Security
Bluevine uses industry-standard security:
- SSL encryption on all data transmissions
- Secure account logins via multifactor authentication
- Ongoing monitoring for suspicious activity
Help & Support
Bluevine offers multiple customer support channels:
- Live chat: Available for account holders
- Email support: Through the contact form or direct email
- Help Center: Comprehensive self-service guides and FAQs
- Hours: Support typically available Mon–Fri, 8 a.m. to 8 p.m. ET
- Website: https://www.bluevine.com/contact-us
- Support Portal: https://support.bluevine.com/s/
Physical Address
Bluevine Capital Inc.
30 Montgomery Street, Suite 1400, Jersey City, NJ 07302
Summary
Bluevine delivers quick, flexible, and tech-forward lending solutions tailored for small business owners. With competitive rates, a user-friendly application process, and support for modest credit profiles, it’s a fitting choice for businesses that value speed and simplicity.
Methodology
This review was created with information from:
- Company website and blog
- Customer service reps via email/chat
- User reviews on Trustpilot and Bankrate
- Bluevine’s Help Center and FAQs
AI was used to create this content, along with human validation and proofreading.
