How Kabbage's
Small Business
Loans Work

Get approved for the
working capital you need.

View Video Tour

Applying is quick and simple

Creating an account is free and takes only minutes.* After that, access your business line of credit so you can start growing your business immediately. There are no fees until you draw against your line.

Apply, qualify and get cash instantly.

  • Safe and secure
  • No application fee
  • No obligation until you take cash
  • Ongoing access to cash, 24/7

Minimum Requirements:
One year or more in business. Over $50,000 a year in revenue.

Kabbage, Inc., Financing Consultants, Atlanta, GA

Qualify for lLines from $2,000 to $100,000

Link any of your business’s online services to qualify on the spot. Unlike traditional lenders, we approve businesses by looking at a variety of your business data in real-time, not just a credit score. No paperwork, faxing or waiting in line.

Our Qualifying Partners

Get ongoing access to working capital

Kabbage provides you with ongoing access to your funds. Draw against your line as often as once a day and pay only for what you take. With business credit lines up to $100,000, you can dip into your piggy bank anytime.

Kabbage loan calendar

What will you do with your Kabbage?

  • Buy inventory
  • Invest in equipment
  • Build a website
  • Hire staff
  • Whatever you need to grow

Now you can get funds on the go with our new mobile app. Learn More.

What does it cost?

We've simplified the lending process. Get approved for lines from $2,000 to $100,000 and take working capital as often as once a day. Pay only for what you take. No hidden costs, no early payment fees.

How much do you want?

Get approved for up to

Length of Loan

Loans are repaid over 6 months. No early payment fees

Sample Kabbage Loan

Loan Amount
Length of Loan
Total Fee Amount*
* Based on business performance data and credit history—no hidden costs. Still have questions? View our Frequently Asked Questions.

The Cost of a Kabbage Loan

  • Fees are 1% - 12%* of your selected loan amount the first two months and 1% for each of the remaining four months. No early payment fees.
  • Every month, for six months, you pay back 1/6 of the total loan amount plus the monthly fee. You can pay early and save.
  • Each draw is treated as an agreement between you and Kabbage. Draw against your line as often as once a day. Pay only for what you take.
*Kabbage's maximum rate for months 1 and 2 is 12%. Third party partners may occasionally charge an additional 1.5% for months 1 and 2.

Sample Payment Schedule

Draw against your line as often as once a day. Pay only for what you take!
 Month Term
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
1/6 of Total Loan
Total Fee Amount*
Monthly Payment Due

Kabbage Loans

See how Kabbage loans can be used across every small business use case and industry. Kabbage flexible funds are designed to grow your business on your terms.

* Kabbage can approve you in minutes when we are able to automatically obtain your business data and instantly verify your bank account. In some situations errors may occur during the sign up process, or we may need to send micro-deposits to confirm your bank account for security purposes. If this is the case, it may take up to several days to provide you access to funding

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