What it costs /

Loan Rates
and Terms


We’ve simplified small business lending. Qualify for up to $250,000* and withdraw working capital. You’ll only pay only for what you use.

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We've simplified small business lending. Get approved for up to $250,000 and withdraw working capital. Pay only for what you use with no hidden costs or prepayment penalties.

up to a $250k line of credit*
Working Capital Lines of Credit*

Instead of one-time loans, Kabbage Funding™ offers access to ongoing lines of credit* up to $250,000. You can use any increment.

up to a $250k line of credit*
No Obligation to Take Funds

Applying for Kabbage Funding is simple, and there’s no obligation to use funds if you’re qualified. Your line of credit* will be there when you need it, and you won't pay anything until you actually withdraw funds.

Straightforward Fees

Kabbage Funding loans have simple, monthly fees. You’ll only pay for what you use.

How are fees calculated?

Every month, you’ll pay back an equal portion of the loan principal plus the monthly fee. You’ll only pay a fee during the months you have an outstanding balance.

6 Month Term at a 4% Fee Rate (Example)
MonthsRatePrincipalMonthly Fee
1 - 24.0%x$10,000=$400
3 - 61.25%x$10,000=$125
Months1 - 23 - 6
Rate4.0%1.25%
Principal$10,000$10,000
Monthly Fee$400$125

12 Month Term at a 3% Fee Rate (Example)
MonthsRatePrincipalMonthly Fee
1 - 63.0%x$10,000=$300
7 - 121.25%x$10,000=$125
Months1 - 67 - 12
Rate3.0%1.25%
Principal$10,000$10,000
Monthly Fee$300$125

18 Month Term at a 2% Fee Rate (Example)
MonthsRatePrincipalMonthly Fee
1 - 92.0%x$20,000=$400
10 - 181.25%x$20,000=$250
Months1 - 910 - 18
Rate2.0%1.25%
Principal$20,000$20,000
Monthly Fee$400$250
How are fees calculated?

Every month, you’ll pay back an equal portion of the loan principal plus the monthly fee. You’ll only pay a fee during the months you have an outstanding balance.

What Fee Rate should I expect?

Fee Rates range from 1.25% to 10% based on a number of business performance factors. Apply to find out what your Fee Rate could be.

Estimate your fees and payment schedule:

6-, 12- and 18-month terms

Kabbage Funding offers the flexibility of 6-, 12- or 18-month loan terms so you can choose what’s best for your business.1

Monthly Repayment Breakdown
Month123456
FeeYour RateYour RateYour RateYour RateYour RateYour Rate
Principal1/61/61/61/61/61/6
MonthPrincipalFee
11/6Your Rate
21/6Your Rate
31/6Your Rate
41/6Your Rate
51/6Your Rate
61/6Your Rate

Simple Monthly Repayments

  • Every month, you pay back an equal portion of the loan principal plus the monthly fee.
  • 6-month terms require a $500 minimum loan.
  • Your Fee Rate will be between 1.5% and 10% of the principal loan amount.

Pay Early
and Save

There are no prepayment penalties, so you can pay your loan off early and save on monthly fees.2

Month123456789101112
FeeYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour Rate
Principal1/121/121/121/121/121/121/121/121/121/121/121/12
MonthPrincipalFee
11/12Your Rate
21/12Your Rate
31/12Your Rate
41/12Your Rate
51/12Your Rate
61/12Your Rate
71/12Your Rate
81/12Your Rate
91/12Your Rate
101/12Your Rate
111/12Your Rate
121/12Your Rate

Simple Monthly Repayments

  • Every month, you pay back 1/12 of the loan principal plus the monthly fee.
  • 12-month terms require a $10,000 minimum loan.
  • Your Fee Rate will be between 1.5% and 10% of the principal loan amount.

Pay Early
and Save

There are no prepayment penalties, so you can pay your loan off early and save on monthly fees.2

Month123456789101112131415161718
FeeYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour RateYour Rate
Principal1/181/181/181/181/181/181/181/181/181/181/181/181/181/181/181/181/181/18
MonthPrincipalFee
11/18Your Rate
21/18Your Rate
31/18Your Rate
41/18Your Rate
51/18Your Rate
61/18Your Rate
71/18Your Rate
81/18Your Rate
91/18Your Rate
101/18Your Rate
111/18Your Rate
121/18Your Rate
131/18Your Rate
141/18Your Rate
151/18Your Rate
161/18Your Rate
171/18Your Rate
181/18Your Rate

Simple Monthly Repayments

  • Each month, you’ll pay back 1/18 of the loan principal plus the monthly fee.
  • 18-month terms require a $20,000 minimum loan.
  • Your fee rate will be between 1.25% and 5.25% of the principal loan amount.

Pay Early
and Save

There are no prepayment penalties, so you can pay your loan off early and save on monthly fees.2

Loan Calculator3

Use our loan calculator to estimate your loan repayments or learn more about determining the value of a small business loan.

Learn More

ROI Calculator4

Learn more about the returns you could see when you invest extra working capital in your business.

Get Started