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.

TRUSTe Privacy CertificationKabbage, 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
No early payment fees

Sample Kabbage Loan

Loan Amount
Length of Loan
Total Fee Amount*
Total
Loan Amount
Length of Loan
Total Fee Amount*
Total
* 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 1.5% - 12%* of your selected loan amount. Every month, you pay back 1/6 of the total loan (for six-month loans) or 1/12 of the total loan (for 12-month loans) plus the monthly fee. There are no early payment fees, so you can pay early and save.
  • Each draw is treated as an agreement between Celtic Bank and you. Draw against your line as often as once a day. Pay only for what you take.
  • Learn more about calculating the cost of a small business loan
*Kabbage's maximum rate for each month is 12%. Third party partners may occasionally charge up to an additional 1.5% for each month.

Term Disclaimer: After you apply, we will inform you if your loan request qualifies for a six-month term or an optional 12-month term. A minimum loan of $15,000 is required for 12-month loan term. Eligibility for 12-month loan terms is subject to availability and can change based on underwriting criteria. Changes in future term availability does not affect outstanding loans.

Sample Payment Schedule

Draw against your line as often as once a day. Pay only for what you take!
 Loan 
 Loan 
  • Month 1
     
  • Loan
  • Fee
  • Month 2
     
  • Loan
  • Fee
  • Month 3
     
  • Loan
  • Fee
  • Month 4
     
  • Loan
  • Fee
  • Month 5
     
  • Loan
  • Fee
  • Month 6
     
  • Loan
  • Fee
  • Month 1
     
  • Loan
  • Fee
  • Month 2
     
  • Loan
  • Fee
  • Month 3
     
  • Loan
  • Fee
  • Month 4
     
  • Loan
  • Fee
  • Month 5
     
  • Loan
  • Fee
  • Month 6
     
  • Loan
  • Fee
  • Month 7
     
  • Loan
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  • Month 8
     
  • Loan
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  • Month 9
     
  • Loan
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  • Month 10
     
  • Loan
  • Fee
  • Month 11
     
  • Loan
  • Fee
  • Month 12
     
  • Loan
  • Fee

Totals

New Loan: Fees: Loan + Fees =

Totals

New Loan: Fees: Loan + Fees =

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.

See how much you qualify for today!

Apply Now

Free, No Obligation

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