On this page13 sections
- Ratings and complaints
- Bluevine vs. competitors
- Pricing
- Step by step
- Bluevine legitimacy and licensing
- Bluevine is being acquired by Valley Bank's parent
- Bluevine line of credit rates, fees and requirements
- Term loans, SBA loans and business checking
- Bluevine complaints and what customers report
- The rules that protect business borrowers
- What customers say
- Alternatives
- FAQ
Bluevine suits LLCs and corporations with at least 12 months in business, $10,000 in monthly revenue and a 625 FICO score that want a revolving line up to $250,000 with short weekly or monthly repayment. It is a legitimate fintech lender, founded in 2013, and its line of credit is issued by Celtic Bank. The tradeoffs: the 7.8% starting rate goes only to top qualifying customers, repayment terms run 12 months or less, sole proprietors and businesses in Nevada, North Dakota and South Dakota cannot get the Bluevine line, and on one plan paying early does not cut your interest. Bluevine has agreed to be acquired by Valley National Bancorp, the parent of Valley Bank; it says nothing changes for customers until the deal closes, expected in early 2027.
- Line of credit
- Up to $250,000, revolving; rates as low as 7.8% for top qualifying customers; issued by Celtic Bank and serviced by Bluevine1
- Minimum requirements
- 625 personal FICO, 12 months in business, $10,000 monthly revenue ($120,000 a year), LLC or corporation, no bankruptcies, good standing with your Secretary of State1
- Repayment
- Automatic weekly or monthly payments with terms up to 12 months; opening Bluevine checking first is the only way to be considered for all three repayment plans2
- Fees
- No setup, maintenance, unused funds or termination fees; individual pricing shown in your dashboard; on the 12-weekly-installment plan, prepaying does not reduce the interest owed3
- Credit check
- Applying and reviewing an offer does not affect your personal credit score; accepting an offer may result in a hard inquiry1
- Other financing
- Term loans up to $500,000 with terms up to 24 months from lending partners; SBA 7(a) loans up to $350,000 through Fundera by NerdWallet2
- Where not available
- Nevada, North Dakota, South Dakota and U.S. territories, plus some industries such as auto dealers, cannabis and firearms1
- Ownership
- Agreed on September 28, 2026 to be acquired by Valley National Bancorp; expected to close in early 2027, subject to regulatory approval4
Pros
- Published requirements and a published starting rate
- Applying does not affect your personal credit score
- No setup, maintenance, unused funds or termination fees
- Draws in as fast as 24 hours, or instantly into Bluevine checking
- Reports on-time payments to Experian to build business credit
Cons
- Lowest rate only for top qualifying customers
- Short terms of 12 months or less mean large payments
- Sole proprietors cannot get the Bluevine line; not offered in Nevada, North Dakota or South Dakota
- On the 12-weekly-installment plan, paying early does not lower the interest
- Pending sale to Valley National Bancorp could change products after closing
Best for: LLCs and corporations with a year of history and steady monthly revenue that want a revolving line of credit up to $250,000 alongside a no-fee business checking account.
Skip it if: You are a sole proprietor, need more than 12 months to repay, or operate in Nevada, North Dakota or South Dakota.
Bluevine vs. competitors
| Company | Line of credit amount | Minimum requirements | Published cost | Repayment |
|---|---|---|---|---|
| Bluevine | Up to $250,000 | 625 FICO, 12 months, $10,000 monthly revenue, LLC or corporation | As low as 7.8% for top qualifying customers | Weekly or monthly, up to 12 months |
| OnDeck | $6,000 to $200,000 | 625 FICO, 1 year, $100,000 annual revenue | Average 59.8% APR on lines of credit | 12, 18 or 24 months |
| Fundbox | Up to $250,000 | Not published | Not published | Not published |
| Biz2Credit | Up to $500,000 (30 states and DC) | 650 FICO, 12 months, $250,000 annual revenue | Not published | 12-month draw period |
Bluevine pricing at a glance
Bluevine financing, as listed October 20261
| Product | Amount | Term | Published cost | Who lends |
|---|---|---|---|---|
| Bluevine Line of Credit | Up to $250,000 | Up to 12 months, weekly or monthly payments | Rates as low as 7.8% for top qualifying customers; no maintenance fees | Celtic Bank, serviced by Bluevine |
| Term loan | Up to $500,000 | Up to 24 months | Not published; varies by partner | Third-party lending partners |
| SBA 7(a) loan | Up to $350,000 | Not published | Not published | SBA lenders through Fundera by NerdWallet |
Your individual rate and any draw fees appear in your dashboard under Pricing and Terms and before you confirm a draw. The maximum amount goes only to applicants with the strongest credit profiles.
Bluevine, step by step
Apply online
You enter basic business details and connect your bank account or upload three months of statements. Bluevine says decisions can come in as fast as five minutes, and applying does not affect your personal credit score.
Review your offer and plan
If approved, you are matched to a weekly or monthly repayment plan. If Bluevine cannot offer a line, you may see term loan or line offers from its lending partners.
Accept and set up checking
Accepting may trigger a hard credit inquiry, and you sign as a personal guarantor. A free Bluevine Business Checking account comes with the line.
Draw funds
You request draws from the dashboard; approved draws arrive in as fast as 24 hours, or instantly into Bluevine checking. Each draw is subject to review.
Repay and redraw
Payments are debited automatically, and your available credit replenishes as you repay. Bluevine checks your eligibility each month, so keep your bank connected.
Bluevine legitimacy and licensing
Yes. Bluevine Inc. was founded in 2013 and is headquartered in Jersey City, New Jersey. It is a financial technology company, not a bank: the Bluevine Line of Credit is issued by Celtic Bank and serviced by Bluevine, and its checking accounts are held at Coastal Community Bank, Member FDIC. Bluevine says it has delivered more than $17 billion in working capital and served about 175,000 active small business customers as of June 2026.
The BBB rates Bluevine A+ and has accredited it since July 2014. It lists 333 complaints in the last three years, a count that includes checking customers as well as borrowers. Bluevine averages 4.7 out of 5 on Trustpilot from 11,638 reviews and 4.7 on the App Store. We found no CFPB, FTC or state enforcement action against Bluevine.
Bluevine is being acquired by Valley Bank's parent
On September 28, 2026, Valley National Bancorp, the parent of Valley Bank, announced an agreement to acquire Bluevine. The deal is expected to close in early 2027, subject to regulatory approval. After closing, Bluevine’s CEO is set to lead small business banking at Valley.
Bluevine’s customer FAQ says nothing changes for now: accounts, routing numbers, cards, rates, terms and repayment schedules stay the same, and existing lines of credit are unaffected. It says Valley’s branches, Zelle and more credit products may be added over time. If you apply now, expect your contract terms to hold, but watch for notices about new terms after the deal closes.
Bluevine line of credit rates, fees and requirements
Bluevine offers lines of credit up to $250,000 with rates as low as 7.8% for top qualifying customers. It does not publish a rate range or APR, so your price depends on underwriting and appears in your dashboard under Pricing and Terms. There are no setup, maintenance, unused funds or termination fees, but Bluevine notes that additional fees apply, and you see the total fees on a draw before you confirm it.
To qualify you need:
- A 625 or higher personal FICO score
- 12 months or more in business
- $10,000 in monthly revenue, or $120,000 a year
- An LLC or corporation, in good standing, with no bankruptcies
- A business in an eligible state; Nevada, North Dakota, South Dakota and U.S. territories are excluded
Repayment is weekly or monthly over terms of up to 12 months. One detail matters: on the plan with 12 weekly installments, the fee is fixed, so paying the draw off early does not reduce the interest you owe. Ask which plan you are offered before you draw.
What customers say about Bluevine
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Helpful, knowledgeable support staff
- Easy online application and account setup
- Fast decisions and quick access to draws
- Line of credit and checking managed in one dashboard
Common complaints
- Unexpected fees and holds on deposits
- Account disputes and fraud investigations with little explanation
- Check deposit limits too low for higher-volume businesses
Term loans, SBA loans and business checking
Bluevine’s term loans come from third-party lending partners. When you apply, you may also see term loans up to $500,000 with terms up to 24 months from third-party lending partners, and Bluevine refers SBA 7(a) loans up to $350,000 through Fundera by NerdWallet. Bluevine says it does not issue or service these partner products, so read the partner’s own contract and fee terms.
Bluevine Business Checking has no monthly fee on the Standard plan, which pays 1.3% APY on balances up to $250,000 if you spend $500 a month on the debit card or receive $2,500 a month in customer payments. Plus costs $30 a month for 1.75% APY, and Premier costs $95 a month for 3.0% APY on all balances. Deposits are FDIC insured up to $3 million through Coastal Community Bank and its program banks.
Bluevine complaints and what customers report
Most Trustpilot reviews praise helpful staff, a quick application and fast access to funds. The 11% of one-star reviews mostly involve the checking account: unexpected fees, deposit holds, a $25,000 monthly check deposit limit, and fraud investigations or disputes closed with little explanation.
To avoid problems, keep your bank account connected so monthly reviews do not stall your draws, keep enough money in the account for automatic payments, and download your pricing and terms before each draw.
The rules that protect business borrowers
Business credit lines are not covered by most consumer lending laws, including the APR disclosures in the Truth in Lending Act. California, New York and several other states require commercial lenders to disclose an estimated APR and total cost on many offers, so ask for that disclosure. If you default, Bluevine says you may face negative business credit reporting and personal credit reporting as the guarantor.
You can report problems to the FTC at ReportFraud.ftc.gov and to your state attorney general. SBA resource partners such as SCORE and Small Business Development Centers can review an offer with you for free.
Alternatives to Bluevine
- SBA Lender Match Free SBA tool that connects you with SBA-approved lenders; SBA loans have longer terms and usually lower rates if you can wait.
- OnDeck Better if you want terms up to 24 months on a line of credit or published average APRs to compare. Read review
- Biz2Credit Larger lines up to $500,000 and term loans up to 60 months if your revenue is $250,000 or more. Read review
- Your bank, a credit union or a CDFI Often lower rates and longer terms for a business line of credit, and CDFIs lend to businesses banks turn down.
Bluevine reviews
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Frequently asked questions
Is Bluevine a real company?
Yes. Bluevine has operated since 2013, its line of credit is issued by Celtic Bank, and it has an A+ BBB rating with accreditation since 2014. It averages 4.7 out of 5 on Trustpilot from more than 11,000 reviews.
Is Bluevine being bought?
Yes. Valley National Bancorp, the parent of Valley Bank, agreed on September 28, 2026 to acquire Bluevine, with closing expected in early 2027. Bluevine says accounts, rates and repayment terms stay the same for now.
What credit score do you need for Bluevine?
A 625 or higher personal FICO score for the line of credit. Partner term loans and SBA loans have their own requirements.
Does Bluevine do a hard credit pull?
Applying and reviewing an offer does not affect your personal credit score. Accepting an offer may result in a hard inquiry.
What is the Bluevine line of credit interest rate?
Rates start as low as 7.8% for top qualifying customers. Bluevine does not publish a full range; your rate appears in your dashboard after approval.
Can a sole proprietor get a Bluevine line of credit?
No. The Bluevine line requires an LLC or corporation. Sole proprietors with Bluevine checking may see partner financing offers in their dashboard.
How fast does Bluevine fund?
Decisions can come in as fast as five minutes, and approved draws arrive in as fast as 24 hours, or instantly into a Bluevine Business Checking account.
Does Bluevine still offer term loans or invoice factoring?
Bluevine itself offers only the line of credit. Term loans up to $500,000 come from partner lenders, and we found no invoice factoring product on its site.
Can I pay off a Bluevine draw early?
You can repay early, and Bluevine charges no termination fee, but on the plan with 12 weekly installments the fee is fixed, so paying early does not reduce the interest owed.
Which states can't use Bluevine?
The Bluevine line of credit is not available in Nevada, North Dakota, South Dakota or U.S. territories.
Sources (11)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Bluevine: Business line of credit and FAQs (accessed October 12, 2026)
- Bluevine: Business loans (accessed October 12, 2026)
- Bluevine Help Center: Pricing and terms for a credit line (accessed October 12, 2026)
- Bluevine: Valley National Bancorp to acquire Bluevine Inc. (September 28, 2026) (accessed October 12, 2026)
- Bluevine: Valley National Bancorp acquisition customer FAQ (accessed October 12, 2026)
- Bluevine: Business checking plans and APY (accessed October 12, 2026)
- BBB: Bluevine Inc. business profile (accessed October 12, 2026)
- Trustpilot: Bluevine reviews (accessed October 12, 2026)
- Apple App Store: Bluevine app (accessed October 12, 2026)
- CFPB: Consumer complaint database search, Bluevine (accessed October 12, 2026)
- SBA: Lender Match (accessed October 12, 2026)
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