Quick answer
Bluevine's LOC published minimums are 12 months in business, $10,000 average monthly revenue, and 625+ FICO. Stricter than typical MCA funders but much cheaper APR (6.2-27% vs MCA 35-90% equivalent). Documents: 3 months bank statements, voided check, business + personal ID. Approval in minutes to hours via online application.
Full answer
Bluevine's published underwriting box for its business line of credit: minimum 12 months in business (notably higher than 6-month MCA bar), $10,000 average monthly revenue, and 625+ FICO credit score. These are firm published minimums — Bluevine doesn't materially flex on TIB or FICO floor.
What disqualifies you: TIB under 12 months, FICO under 625, recent bankruptcy (within 1-3 years depending on type), tax liens unresolved, certain restricted industries (gambling, marijuana-touching, financial services brokerage, adult content).
Documents required: 3 months business bank statements (consistent deposits, low NSF count = stronger approval odds), voided business check, business EIN documentation, government-issued ID for majority owner, basic business information (entity type, ownership %).
Approval timeline: minutes to hours for clean files via Bluevine's online application — fastest in the LOC space alongside OnDeck. Soft credit pull at application (no FICO impact); hard pull only if you accept an offer.
Loan structure: LOC up to $250K with APR 6.2-27% depending on profile. You only pay interest on what you draw, not the unused limit. Repayment: weekly or monthly auto-debit over 6 or 12 months (you choose at funding).
Where Bluevine excels for qualifying merchants: APR-disclosed (no factor-rate ambiguity), much cheaper than MCA, revolving line (re-draw without re-applying), bank-partnered product (Coastal Community Bank) with bank-level regulatory oversight. If you qualify, this should be your first call before MCA.
Where to be careful: trustpilot reviews mixed on customer service (3.5+ stars but recent complaints about LOC reductions/closures without warning). If you don't pass the 12-month TIB + 625 FICO bar, you need a 6-month-TIB-friendly funder like Fundbox or a traditional MCA.
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Methodology. Fundnode is an independent funding-platform that scores merchants against our 100-funder database. We earn referral fees from funders when merchants apply via Fundnode. Editorial rankings and answers are independent of fee structure. Updated 2026-06-25.