Kabbage Small Business Cash Loan Review April 2017

Information verified correct on April 26th, 2017

Apply for a line of credit up to $100,000 and take your small business to the next level.

Are you looking for a way to invest in your business without tapping into your cash flow? Kabbage offers an online business loan solution that gives you an ongoing line of credit for your business. You can have between $2,000 and $100,000 available to you through an online account for convenient access. Kabbage also gives you alternative ways to get your application across the line.

Product NameKabbage Small Business Cash Loan
Interest Rate (p.a.)From (variable)
Comparison Rate (p.a.)
Interest Rate TypeVariable
Min Loan Amount$2,000
Max. Loan Amount$100,000
Loan SecurityUnsecured


  • Convenient application and access
  • Borrow enough for your business
  • Get a instant decision


  • Only for the business use
  • Fees of 1.5% - 12% of loan amount
  • Revenue must be over $50,000 a year

How does it work?

Kabbage looks at how your business is doing, rather than your credit score, making the application process quick and easy.

  • Apply online. Create an online account by providing your email and creating a password. Tell Kabbage the name of your business and the type of industry it is.
  • Link your business information. Link your business’s checking account, along with any other accounts including PayPal, quickbooks or Amazon.
  • What you need to qualify. Your business has to be at least one year old and have a minimum of $50,000 in annual revenue, or $4,200 per month over the last three months.
  • Quick decisions. In minutes you will be told if you’re approved and how much money you are qualified for. You’ll have access immediately and are only charged a fee once you draw on your credit line.

Getting your funds

Once you’re ready to start drawing money from your line of credit, you’ll have three options:

  • Kabbage card. Will give you access to buy inventory, order supplies, jump on timely business opportunities or cover unexpected expenses.
  • Dashboard. Use the Kabbage dashboard to draw funds deposited directly to your checking or PayPal account. You can take out money as often as every 24 hours.
  • Kabbage App. With this app for iOS and Android, you can apply for a loan and access your money.

Features of a Kabbage line of credit.

Kabbage looks at your business’s performance, not just your credit score, giving you the money you need to improve your business. Here’s how they help:

  • Improve your eligibility. The more business accounts you provide to Kabbage, the better your chances at getting the loan you need. Link up business accounts like your checking, PayPal, eBay, Amazon or QuickBooks
  • Borrow enough for your business. You can borrow as much as you need for your business from $2,000 to $100,000.
  • Minimal fees. You will not pay establishment fees, monthly or annual fees and there are no penalties for making payments early.
  • Convenient application and access. You can apply online within minutes and you’ll have ongoing access to your line of credit 24/7.
  • Will not affect your credit. Applying will have no effect on your credit. It’s only when you accept the credit line that a credit inquiry will be made.

How much will you pay to use your line of credit?

You won’t be charged interest for a Kabbage loan, but you will be charged fees. The fee structure is as follows:

  • 1-12% of your selected loan amount for the first two months
  • 1% of your selected loan amount for the remaining four months
  • Every month for six months, you pay back 1/6th of the loan amount plus the monthly fee
Rates last updated April 26th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Costs
$100,000 1-12 months Next Business Day Varies Go to site More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know

Ready to apply?

Click ‘Go to Site’ to get your online application started. Have your checking or PayPal account ready, and include any other accounts your business uses, including:

  • Authorize.Net
  • Stripe
  • QuickBooks
  • UPS
  • eBay
  • Amazon
  • Yahoo

You’ll find out if you’ve been approved within minutes, and receive access to your approved credit line soon after.

Bottom Line

Kabbage is a quick and easy way to get money for your business. They offer the convenience and flexibility without high fees and APRs.

Frequently asked questions

Can I reapply if I'm not qualified the first time?

Your account allows Kabbage to evaluate your latest business information, and will notify you in the future if you qualify for funds. Call customer support if you have questions about your application.

How do I contact Kabbage if I'm have questions?

For questions regarding your application, loan amount or payback, call the help center at 888-986-8263, or email at support@kabbage.com

In which countries is Kabbage is available?

At the moment, Kabbage is available in the United States and the United Kingdom. They are working on expanding to more countries soon.

Kabbage offers an innovative lending platform for small businesses across America. If you’re interested in a line of credit, small or large, find out if you’re eligible today.

Was this content helpful to you? No  Yes

Ask a Question

You are about to post a question on finder.com

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com privacy policy.