6 Sites like American Express® Business Line of Credit in 2026

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Features	Accepts a wide range of credit scores Quick online application Funding as quick as 24 hours

Previously known as Kabbage Funding, the American Express Business Line of Credit is a relaxed eligibility credit line from $2,000 to $250,000. Instead of interest, you pay a flat monthly fee based on the loan term. And, each draw on the line becomes an installment loan with a 6, 12, 18 or 24 month term. What you’d pay is based on the term you choose, for example, 6-month lines of credit range from 3% to 9%, while 24-month lines of credit can range from 12% to 18%.

Borrowers with a minimum credit score of 660 and an average of just $3,000 in minimum monthly revenue may qualify. Pair that with no extra fees and a quick, low-doc application, it’s worthy of consideration. But one drawback is that the line may or may not replenish as you pay it down.

If you’re in the market for a competitive business line of credit, these alternatives may offer lower APRs and options to fit your needs better.

6 companies like American Express Business Line of Credit

• Alternative for online business loans: Fundera business loans
• Alternative for low-interest lines of credit: Bluevine business lines of credit
• Alternative for large loan amounts: SmartBiz business loans
• Alternative for no-doc business line of credit: Fundbox term loans
• Alternative for emergency lines of credit: OnDeck business lines of credit
• lternative for startups: Finance Factory business loans

Finder Score	Loan amount	Loan term	APR
Alternative for online business loans
9.5 Excellent Fundera business loans	9.5 Excellent	$2,500 – $5,000,000	Varies by lender	Varies by lender	Go to site View details Compare product selection Compare	loading	Why we like it Fundera by NerdWallet is a business loan marketplace that connects small business owners with multiple lenders through a single application. The platform offers access to term loans, SBA loans, lines of credit, equipment financing and more, with loan amounts ranging from $2,500 to $5 million. With a quick online application using only a soft credit check, Fundera has helped over 77,000 small businesses secure more than $5.4 billion in funding. The platform provides dedicated loan specialists for personalized guidance, and funding can be as fast as one business day. Pros & cons Pros Free service Single application connects you with multiple lenders Soft credit check won't impact credit score Fast funding possible within 24 hours Cons Rates and fees aren't disclosed upfront Not a direct lender, terms set by partners Limited network compared to larger marketplaces
Alternative for low-interest lines of credit
8.6 Great Bluevine business lines of credit	8.6 Great	$5,000 – $250,000	Not listed	Not listed	View details Compare product selection Compare	loading	Why we like it Like AMEX, BlueVine offers credit lines up to $250,000, but it charges interest instead of a flat fee. Rates start at a competitive 7.8% APR there are no origination, draw or maintenance fees. Its credit score requirement is also a bit lower than AMEX's. However, BlueVine requires $40,000 in monthly revenue and 24 months in business, so it's significantly harder to qualify for a LOC with Bluevine than with AMEX. And not all industries are eligible, such as auto dealerships and fintechs. But if you're an established business owner, BlueVine could help you save. Pros & cons Pros Low rates starting at 7.8% Quick turnaround time Low 625 credit score requirement No origination, draw or maintenance fees Cons Not all industries qualify High monthly revenue requirement Requires 24 months in business
Alternative for large loan amounts
9 Excellent SmartBiz business loans	9 Excellent	$50,000 – $350,000	Up to 10 years	Prime Rate, plus 3% to 5.75%	View details Compare product selection Compare	loading	Why we like it Unlike a line of credit, SBA loans offer larger loan amounts and longer repayment terms. And, if it's the long application process keeping you from applying for an SBA loan, SmartBiz could be a great choice. It can connect you with an SBA lender and save time with its loan packaging service. The SBA process normally takes 60 to 90 days, but SmartBiz advertises that it can cut it down to 30 to 45 days. Multiple SBA loans are available through SmartBiz, including the SBA 7(a) line of credit with a maximum amount of $350,000. Qualifying for an SBA loan isn't as simple as other types of business loans, but SmartBiz could make it easier. But it's not free — expect a referral fee and a packaging fee. Pros & cons Pros Shortens the SBA application process Assistance with SBA loan application Highly-rated by customers Cons Not a direct lender 2% referral fee and 2% packaging fee Maximum SBA loan term offered is 10 years
Alternative for no-doc business line of credit
Not scored yet Fundbox term loans	Not scored yet	Up to $250,000	12 or 24 weeks	Not stated	View details Compare product selection Compare	loading	Why we like it If you're struggling to qualify for a LOC with other lenders, Fundbox is a good option to consider. It's one of American Express' top competitors and offers a similar product: a revolving business line of credit up to $250,000 with a lower credit score requirement than AMEX. Each withdrawal becomes a short-term loan of either 12 or 24 weeks, and like AMEX, it charges a weekly fee instead of interest. But unlike AMEX, Fundbox specializes in business lines of credit and gets better overall customer reviews. Pros & cons Pros Accepts lower credit than American Express Business Line of Credit Overall positive customer reviews Line replenishes as you pay it down Cons Weekly fees
Alternative for emergency lines of credit
9.4 Excellent OnDeck business lines of credit	9.4 Excellent	$6,000 – $200,000	18–24 months (term loan); up to 12 months per draw (line of credit)	Not publicly listed — disclosed before signing	View details Compare product selection Compare	loading	Why we like it OnDeck's business line of credit is similar to AMEX's, but it's faster to fund. While most lenders require a day to transfer funds, withdrawals from OnDeck could be available within minutes. It also accepts low credit scores as low as 625. As a low-doc lender, it may only require three months of business bank statements, which you can download from your online bank account. But it's an expensive option — save this lender for when you're willing to pay extra for convenience. Pros & cons Pros Instant funding available Accepts 625 credit score Daily or weekly auto payments Cons Average rate for lines of credit is 52.6% APR Maximum loan amount lower than AMEX $20 monthly maintenance fee
lternative for startups
8.2 Great Finance Factory business loans	8.2 Great	$35,000 – $500,000	Up to 30 years	0% (for up to 21 months) to 15%	View details Compare product selection Compare	loading	Why we like it Finance Factor isn't a direct lender like AMEX. It's an online, free connection service with multiple financing options for startups. It offers business lines of credit with introductory rates starting at 0%. And its startup funding option is up to $500,000 with a 0% intro rate for up to 21 months. Credit score requirements vary depending on the loan and provider you go with, and only the most eligible applicants can get the lowest rates. Since Finance Factory isn't a direct lender, getting your funds may take longer, since you'll need to fully apply with a lender if you find a match. Pros & cons Pros Quickly compare lenders Multiple options for startups Overall positive customer reviews Cons Rates, loan amounts and terms vary Turnaround time slower than other competitors

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How does AMEX compare?

Compared to other lenders, AMEX’s business line of credit is ideal for newer businesses. It only requires a minimum of $3,000 month revenue to qualify and the lack of interest charges, prepayment penalties, application fees and origination fees make it a competitive borrowing option. However, its 660 credit score requirement is a bit higher than some of the alternatives we’ve mentioned and unlike other LOCs, your line may or may not replenish as you pay down.

Written by

Bethany Hickey

Banking editor

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

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