Kabbage Funding™

Funding that’s built
for your business

We’ve made it simple and fast for you to apply for a line of credit* between $1,000 and $150,000.**

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American Express

The benefits of Kabbage with the power of American Express

Now with the powerful backing of American Express, Kabbage will offer a broader set of cash flow management tools to millions of businesses.

  • Quick application.

    Apply online in minutes 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, and only pay loan fees for the capital you use.

  • Secure data.

    For your security, Kabbage uses data encryption and “read-only access” to better understand your business.

Straightforward fees.

When you draw from your line of credit*, you’ll pay a monthly fee on the amount you use, and only during the months you have an outstanding balance. There are no pre-payment penalties.

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“Kabbage makes it easy. I got approved and was funded in a few clicks.”

Tony M., Coastal Concrete Construction

View Tony's storyView more testimonials

Have questions about Kabbage Funding?

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

  • As long as you meet the eligibility criteria, Kabbage can approve you in minutes for a line of credit between $1,000 up to $150,000 upon verifying your identity and bank account. In some situations, we may need to perform additional steps to confirm your identity or verify your bank account. If a manual review is required, it will take longer to provide you with a decision.

  • Kabbage Funding offers access to a line of credit* between $1,000 to $150,000.** Each draw on the line is a separate 6-,12-, or 18- month installment loan depending on your eligibility.

  • Kabbage Funding loans incur a loan fee for each month you have an outstanding balance. There are no origination fees, annual fees, monthly maintenance fees or documentation fees. Late payment fees and return payment fees may apply as explained in the loan agreement.

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More solutions to help run your business

Checking

Earn 1.10% APY on balances up to $100K2 without the fees of a traditional checking account.3

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Payments

Accept payments through professional invoices and custom pay links.

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Footnotes

  1. 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. Lines of credit are subject to periodic review and may change or be suspended, accompanied with or without an account closure. Additional information can be found at: kabbage.com/funding.
  2. If eligible, you can be approved in minutes for a line of credit from $1,000 to $150,000 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.
  3. Kabbage Funding™ offers access to a commercial line of credit between $1,000 to $150,000. 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. Monthly fees range from 0.25–3.50% for 6-month loans, 0.25–2.75% for 12-month loans, 0.25%–2.50% for 18-month loans, and are subject to change for future loans drawn under the available line of credit. Not all customers will be eligible for the lowest fee. Not all loan term lengths are available to all customers. Eligibility is based on creditworthiness and other factors. Not all industries are 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 and return payment fees may be assessed. Loans are issued by American Express National Bank.
  4. The annual percentage yield (“APY”) is accurate as of 5/1/21 and may change at our discretion at any time. The APY is applied on account balances in your primary Kabbage Checking account and each associated Reserve, up to $100,000 in the aggregate. No interest is earned on aggregate balances of over $100,000. The average daily balance method is used to calculate interest.
  5. Other fees and limits apply. See the Fee Table in the FAQs.
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Kabbage Funding™, Kabbage Payments™ and Kabbage Checking™ are trademarks of American Express.
Kabbage Payments, LLC is a registered Payment Service Provider/Payment Facilitator sponsored by Fifth Third Bank, N.A., Cincinnati, OH.
Banking services are provided by and Kabbage Debit Mastercard® is issued by Green Dot Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Other Kabbage products and services are not provided by Green Dot Bank or Green Dot Corporation.
Green Dot Bank operates under the following registered trade names: GoBank, GO2Bank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Kabbage Checking™ account funds are FDIC-insured up to the allowable limits through Green Dot Bank, Member FDIC upon verification of Cardholder's identity. Coverage limit is subject to aggregation of all of Accountholder's funds held on deposit at Green Dot Bank.
Green Dot is a registered trademark of Green Dot Corporation. ©2022 Green Dot Corporation. All rights reserved.

© 2022 American Express. All rights reserved.