Bluevine Review (2026)
Best business line of credit for trucking companies
Researched and fact-checked by the BestTruckingLoans Editorial Team from primary sources · Updated May 2026 · Advertising disclosure
Bottom Line
Bluevine's line of credit is the best pure working capital solution for trucking companies that qualify. The combination of competitive rates, revolving structure, and fast funding makes it significantly better than an MCA for any carrier with 625+ credit. If you don't qualify for Bluevine (under 12 months in business or below 625 FICO), look at OnDeck or invoice factoring instead.
What Is Bluevine?
Bluevine is a fintech lender that offers one of the best business lines of credit available to small and mid-size trucking companies. The revolving structure — draw when needed, pay back, draw again — makes it particularly well-suited for managing cash flow gaps between loads and broker payments.
Who Is Bluevine Best For?
Bluevine is the go-to for a trucking company that has been in business 12+ months with 625+ credit and needs a flexible cash flow buffer — not equipment financing. It's excellent for fuel advances, tire/repair emergencies, and bridging the gap while waiting on broker payments.
Pros & Cons
Pros
- ✓ Revolving line — pay back, draw again
- ✓ One of the lowest rates for LOCs (6.2% for top applicants)
- ✓ Fast approval, same-day draw capability
- ✓ No fee to maintain the line when not used
- ✓ Simple weekly repayment
Cons
- ✗ Not for equipment purchases — working capital only
- ✗ 625 FICO minimum
- ✗ 12 months in business required
- ✗ $250K cap — limited for large fleet operations
How to Apply
Online application in 5 minutes. Bluevine connects to your bank account to verify revenue. Approval typically same day; line active within 24–48 hours. Draws are instant to your Bluevine business account.
How Bluevine Compares
See how Bluevine stacks up against other lenders on our full lender comparison page. For loan type comparisons, see our trucking loan types guide.
Get Rate Quotes for Bluevine
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