The Bluevine Business Checking & Line of Credit Small Business is a fintech account from Bluevine Business Checking & Line of Credit. The annual fee is $0. The ongoing APR is 7.80%. Approval typically requires a credit score of 625 (for LOC) or higher. Signup bonus: Up to $500 welcome bonus when you open and deposit $5,000. Rewards: 1.3% APY for eligible customers. Typical credit limit: $6,000 - $250,000 (line of credit). Funding speed: Get a decision in as fast as 24 hours. Loan terms: up to 24 months. Minimum time in business: 10+ years. Up to 3.5% APY on balances. No monthly fees, no minimum balance. ACH, wire, and Stripe deposits hit faster than traditional banks. Same-day transfers available. Works for LLC, S-Corp, or sole prop (apply with personal name if no business entity). FDIC insured. Business line of credit available separately (6+ months in biz, $10K+ monthly revenue, 625 FICO).