How do I maintain my credit line? – Bluevine Help Center

You may make draws of any amount and at any time up to your Flex Credit limit availability as long as your account is active.

In general, keep your account active by:

Ensuring Bluevine has an active bank connection, or that you have uploaded your last three bank statements to your Bluevine Dashboard.
Making every repayment on time and ensuring a constant positive balance in your bank account.
Notifying us if you take on additional debt or if there are any changes to your business operations.

Your ability to draw from your credit line and your total credit line amount could be affected if:

You have taken on additional debt with other lenders
Your income has substantially decreased
Significant personal credit report deterioration (Example: FICO drop from over 600 to under 600)
Significant business credit report deterioration (Example: recent months showing over 50% of repayments to lenders or vendors being over 30 days late)
There has been a change to your business operations (e.g. bankruptcy or closure)
There have been material changes in your business
You have had multiple overdraft fees or instances of insufficient funds in the last 30 days
You have failed to make repayments on existing Bluevine obligations
Your business entity’s status in your incorporating state has lapsed
Your business has been subject of an IRS tax lien or levy
You maxed out your credit line frequently.
Your credit line is over-revolving (face value of draws are higher than approved credit line amount).

Your bank data is out of date, which means either:

Your bank connection has failed
Your last uploaded statement is more than 30 days old
You have not made a draw within 14 days of our initial financing offer to you. (Our offers are only good for 14 days).

Starting February 1, 2022, customers will earn 1.2% interest on the total balance of Bluevine Business Checking accounts and Sub-accounts up to and including $100,000. No interest earned on total balances over $100,000. As of May 1, 2022, customers will earn interest on total balances up to and including $100,000 only if they meet the monthly debit transaction or deposit requirements described in Section M of the Account Agreement. Any interest accrued and payable will be paid to your Bluevine Business Checking account.
Customers will receive a Bluevine Business Debit Mastercard only for use with the main Bluevine Business Checking account.
No limit on number of transactions. However, all accounts are subject to the aggregated monthly deposit and withdrawal amount limits of the Account Agreement.
The national average and comparison are based on interest rates paid by U.S. depository institutions as calculated by the FDIC.
Debit transactions must post to your account before the end of the month to qualify toward that month’s eligibility requirement. Bluevine Business Debit Mastercard is issued by Coastal Community Bank pursuant to a license from Mastercard Inc.
Qualifying transactions only include mobile deposits of customer checks, customer payments made via ACH or wire, and customer payments transferred from payment processing providers. These transactions must post to your account or sub-accounts before the end of the month to qualify toward that month’s eligibility requirement. Transactions that do not qualify include, but are not limited to, mobile deposits of checks drawn on accounts you hold at any institution, cash deposits, and transfers from any of your external accounts, except those associated with payment processing providers.

In general, keep your account active by:

Your ability to draw from your credit line and your total credit line amount could be affected if:

Your bank data is out of date, which means either:

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