To maintain your credit line, connect your external bank account to your Bluevine account, keep your bank balance positive, maintain a FICO score above 625, and notify us of any changes to your business or if you take on additional debt.

Ways to keep your account active

• Keep an active bank connection. You can also upload your last three months of bank statements to your Bluevine dashboard
• Make payments on time
• Maintain a constant positive balance in your bank account
• Notify us if you take on additional debt or of any changes to your business operations

Reasons your credit line might be put on hold

• You’ve taken on additional debt with other lenders
• Your income has substantially decreased
• Personal FICO score drops under 625
• Multiple late payments to lenders or vendors on your business credit report
• Changes to your business operations (e.g. bankruptcy or closure)
• Material changes in your business
• Multiple overdraft fees or instances of insufficient funds in the last 30 days
• Missed repayments on existing Bluevine obligations
• Your business entity status in your incorporating state has lapsed
• Your business has been subject of an IRS tax lien or levy
• You max out your credit line frequently
• Your credit line is over-revolving (the face value of draws is higher than the approved credit line amount)
• Your credit has been frozen
  • To unlock your frozen credit, visit Experian¹

¹ This link will take you to a third party website, owned and operated by an independent party over which Bluevine has no control ("3rd Party Website"). Any link you click to or from the 3rd Party Website will be at your own risk. Any use of the 3rd Party Website will be subject to and any information you provide will be governed by the terms of the 3rd Party Website, including those relating to confidentiality, data privacy, and security. Third party fees may apply.