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Kabbage Funding™² from American Express

Focus on growth
with flexible funding

Apply for a business line of credit. If approved, verify your bank account by 9/30/22 & earn $200.¹

Apply now

Already a customer with Kabbage® or American Express? Sign In to apply

In order for your application to be approved, you must meet the minimum criteria, including but not limited to:

Be at least 18 years of age
Have started your business at least a year ago
Have a FICO score of at least 640 at time of application
Have an average monthly revenue of at least $3,000

All businesses are unique and are subject to approval and review.

To be eligible for this limited time offer, apply and get approved for a Kabbage Funding line of credit between 06/27/2022 and 9/30/2022 at 11:59pm ET. Then, add and verify your Funding primary account on or before 09/30/2022, and we'll deposit $200 into it!

Focus on growth with a Kabbage Funding business line of credit

Quick application
Apply online in minutes³ and connect your business accounts, and we'll look at your financial info in real time to give you a decision.
Flexible
access
Use what you need when you need it - with no prepayment penalties.
Term length options
6-, 12-, or 18-month loan term options with flexible montly fees.⁴
Straightforward fees
Pay a fee only on the amount you use, during the months you have an outstanding balance.²

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“Thanks to Kabbage Funding, I was able to acquire the company of a retiring competitor. That expansion has already paid for itself!”

Chandra Franklin Womack, P.E., Aran+Franklin Engineering Inc.

Real Kabbage customer who was aware that her testimonial may be featured by American Express

View Chandra's story

View more testimonials

Have questions about Kabbage Funding?

Check out our FAQs for more information about how Kabbage Funding works.

Select businesses* must:
- Have been in business for at least 12 months
- Have a valid business checking account
- Be at least 18 years of age or older
*Satisfy other eligibility requirements and meet our creditworthiness criteria. Please note that not all industries will be eligible for Kabbage Funding.
Kabbage Funding loans are issued by American Express National Bank.
Yes, Kabbage obtains reports from consumer reporting agencies. Kabbage may also report your funding account payment status to consumer credit reporting agencies in accordance with the loan agreement.

Insights

Make more informed money in, money out decisions.⁵

Learn more >

Payments

Accept payments through professional invoices and custom pay links.

Learn more >

Checking

American Express® Business Checking offers 1.1% APY⁶ on balances up to $500k

Learn more >

This offer is provided by Kabbage from American Express (“we”,“us”,“our”). Kabbage Funding™ loans are issued by American Express National Bank (AENB). To be eligible to earn the $200 associated with this offer, you must 1) apply and be approved for a Kabbage Funding line of credit between 06/27/2022 and 09/30/2022 at 11:59pm ET and 2) add and verify your designated business bank account (hereafter defined as "Funding primary account") on or before 09/30/2022 at 11:59pm ET. AENB will deposit $200 into the Funding account you've successfully linked to Kabbage Funding within 30 calendar days from the date the account is verfied. Limit one offer per new Kabbage Funding account. This offer (i) is not available to existing Kabbage Funding customers,(ii) is non-transferable, and (iii) cannot be combined with any other offer except as permitted by American Express. We reserve the right to modify or revoke this offer at any time. You may not recieve the offer, if we determine in our sole discretion that your account is not in good standing, has a disconnected bank account, and/or you have engaged in abuse, misuse, fraudulent activity, or gaming in connection with the offer in any way or that you intend to do so. We may also cancel your Kabbage Funding account and other accounts you may have with us. The offer may be taxable income to you and may be reported on IRS Form 1099. You are responsible for any federal or state taxes resulting from the offer. Please consult your tax advisor if you have questions about the tax treatment of the offer. If you have any questions regarding this offer, Please contact us.

Kabbage Funding™ offers access to a commercial line of credit randing from $2,000 to $250,000; however, you may be eligible for a larger line of credit based on our evaluation of your business. Each draw on the line of credit will result in a separate installment loan. All loans are subject to credit approval and are secured by business assets. Every loan requires a personal guarantee. Total monthly fees incurred over the loan term range from 2-9% for 6-month loans, 4.5% for 12-month loans, 6.75-27% for 18-month loans, and are subject to change for future loans drawn under the available line of credit. Loans incur a loan fee for each month you have an outstanding balance. Not all customers will be eligible for Kabbage Funding. Pricing and line of credit decisions are based on the overall financial profile of you and your business, including history with American Express and other financial institutions, credit history, and other factors. Lines of credit are subject to periodic review and may change or be suspended, accompanied with or without an account closure. Late fees may be assessed. Loans are issued by American Express National Bank.

If eligible, you can be approved in minutes for a line of credit from $2,000 to $250,000 when we are able to automatically obtain your business data and verify your bank account. If a manual review is required, it will take longer to provide you with a decision.

Not all loan term lengths are available to all customers. Customers can view their available term lengths after qualification.

The information provided through Kabbage Insights does not constitute legal, tax, financial or accounting advice, and should not be considered a substitute for obtaining competent personalized advice from a licensed professional. You should seek professional advice before making any decision that could affect the financial health of your business.

Offer & Benefit Terms

Apply for your Special Funding offer.

Can’t find RSVP?

Focus on growth
with flexible funding

The advantages of Kabbage® with the power of American Express

Focus on growth with a Kabbage Funding business line of credit

Quick application

Flexible
access

Term length options

Straightforward fees

Kabbage Funding can help you increase cash flow

To determine eligibility for Kabbage Funding and to move your application forward, you may need to link a business bank account to your application.

Link your accounts with confidence

How do I link an account?

Have questions about Kabbage Funding?

Explore more products

Insights

Payments

Checking

Apply for your Special Funding offer.

Can’t find RSVP?

Focus on growthwith flexible funding

The advantages of Kabbage® with the power of American Express

Focus on growth with a Kabbage Funding business line of credit

Quick application

Flexibleaccess

Term length options

Straightforward fees

Kabbage Funding can help you increase cash flow

To determine eligibility for Kabbage Funding and to move your application forward, you may need to link a business bank account to your application.

Link your accounts with confidence

How do I link an account?

Have questions about Kabbage Funding?

Explore more products

Insights

Payments

Checking

Focus on growth
with flexible funding

Flexible
access