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.**

American Express

The benefits of Kabbage™ with the power of American Express

With the powerful backing of American Express, Kabbage offers 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

Kabbage customer since 2016

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Real Kabbage customers are aware their stories may be featured by American Express.

Have questions about Kabbage Funding?

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

  • Once you’ve completed, submitted, and provided all the necessary information for your Kabbage Funding application, and once you meet all the eligibility and approval requirements, such as creditworthiness and other factors, you may be approved quickly for a line of credit.
    In some situations, we may need to perform additional steps to confirm your identity or verify your bank account. If additional information is necessary and/or a manual review is required, it will take longer to provide you with a decision.

  • Kabbage Funding loans incur a loan fee for each month you have an outstanding balance. There are no origination fees, or prepayment penalties. Late payment fees may apply as explained in the loan agreement. Total monthly fees incurred over the loan term range from 2-9% for 6 -month loans, 4.5-18% 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 the lowest fee.

  • Your Kabbage Funding line of credit is the total amount of funding available to your business upon approval. This is also the maximum amount you can borrow at any one time, and this amount can increase or decrease, depending on account status, account utilization, and business performance.
    A loan is the specific amount of funds you draw from that line of credit at any given time. Every time you draw from your line of credit, a separate installment loan is issued to your business. For example, you may be approved for a $75,000 line of credit but choose to draw several loans of $10,000 each as your business needs funds. Each $10,000 loan will have a separate loan agreement. You only pay fees on the loan amount, not for the full line of credit.

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More solutions to help run your business


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

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Accept payments through professional invoices and custom pay links.

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