Pay no origination or monthly maintenance fee — but expect weekly repayments.

  • Best for business owners with fair credit looking for fast working capital.
  • Pick something else if you want to avoid weekly repayments.


    Min. Amount


    Max. Amount


    Product Name BlueVine business line of credit
    Min. Amount $5,000
    Max. Amount $250,000
    Loan Term 6 to 12 months
    Min. Credit Score 600
    APR As low as
    Requirements 6+ months in business, $10,000+ in monthly revenue, 600+ credit score

    How much will this line of credit cost me?

    BlueVine lines of credit start at 4.8% APR, but it doesn’t state a maximum APR. There are no annual fees, monthly fees or origination fees when you sign up. There’s also no fee to when you make a draw, although BlueVine does charge a $15 wire transfer fee if you want to get your money the same day you request it.

    You can withdraw as little as $5,000, and up to your credit limit — which maxes out at $250,000. Each draw turns into a term loan, which you repay over six to 12 months in weekly installments. As you pay off your principal, your credit limit renews. So for example, if you drew $5,000 from a $10,000 credit line, you’d have access to $10,000 again after paying off your balance.

    Use the calculator below to find out how much you’d pay on a monthly basis and in total for a specific withdrawal. Divide the result by 4.35 — the average number of weeks in a month — to get an estimate of each weekly repayment.

    Business loan calculator

    See how much you’ll pay

    Your loan
    Loan amount
    Loan terms (in years)
    Interest rate

    Fill out the form and click on “Calculate” to see your estimated monthly payment.


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    How it works

    BlueVine considers the overall financial wellness of your business, your personal credit score and other factors when deciding your interest rate. Generally, you’ll need to have near-perfect credit, high revenue and have been in business for a few years to qualify for that low 4.8% APR. If you have good credit — that’s a credit score between 670 and 739 — expect a rate closer to 10%. You’ll likely pay an even higher rate with a score of 669 or under.

    What do I need to qualify?

    To qualify for a line of credit with BlueVine, you’ll need to meet the following criteria:

    • At least six months in business
    • Monthly revenue of $10,000+
    • Credit score of 600+
    • Not based in North Dakota, South Dakota or Vermont

    What information do I need to apply?

    BlueVine usually asks for the following documents or information when you apply for a line of credit:

    • Three most recent bank statements
    • General information about you and your business
    • Social Security number
    • Business tax ID number

    You can skip the bank statements requirement by allowing BlueVine to connect to your bank account.

    What industries does BlueVine work with?

    BlueVine doesn’t work with businesses in the following industries:

    • Gambling
    • Adult entertainment
    • Political campaigns
    • Legal or illegal substances
    • Firearms
    • Financial institutions
    • Lenders
    • Insurance
    • Nonprofits
    • Auto dealerships

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