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.
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.
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)
| Months | Rate | Principal | Monthly Fee | ||
|---|---|---|---|---|---|
| 1 - 2 | 4.0% | x | $10,000 | = | $400 |
| 3 - 6 | 1.25% | x | $10,000 | = | $125 |
| Months | 1 - 2 | 3 - 6 |
|---|---|---|
| Rate | 4.0% | 1.25% |
| Principal | $10,000 | $10,000 |
| Monthly Fee | $400 | $125 |
12 Month Term at a 3% Fee Rate (Example)
| Months | Rate | Principal | Monthly Fee | ||
|---|---|---|---|---|---|
| 1 - 6 | 3.0% | x | $10,000 | = | $300 |
| 7 - 12 | 1.25% | x | $10,000 | = | $125 |
| Months | 1 - 6 | 7 - 12 |
|---|---|---|
| Rate | 3.0% | 1.25% |
| Principal | $10,000 | $10,000 |
| Monthly Fee | $300 | $125 |
18 Month Term at a 2% Fee Rate (Example)
| Months | Rate | Principal | Monthly Fee | ||
|---|---|---|---|---|---|
| 1 - 9 | 2.0% | x | $20,000 | = | $400 |
| 10 - 18 | 1.25% | x | $20,000 | = | $250 |
| Months | 1 - 9 | 10 - 18 |
|---|---|---|
| Rate | 2.0% | 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
| Month | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Fee | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate |
| Principal | 1/6 | 1/6 | 1/6 | 1/6 | 1/6 | 1/6 |
| Month | Principal | Fee | |
|---|---|---|---|
| 1 | 1/6 | Your Rate | |
| 2 | 1/6 | Your Rate | |
| 3 | 1/6 | Your Rate | |
| 4 | 1/6 | Your Rate | |
| 5 | 1/6 | Your Rate | |
| 6 | 1/6 | Your 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
| Month | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fee | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate |
| Principal | 1/12 | 1/12 | 1/12 | 1/12 | 1/12 | 1/12 | 1/12 | 1/12 | 1/12 | 1/12 | 1/12 | 1/12 |
| Month | Principal | Fee | |
|---|---|---|---|
| 1 | 1/12 | Your Rate | |
| 2 | 1/12 | Your Rate | |
| 3 | 1/12 | Your Rate | |
| 4 | 1/12 | Your Rate | |
| 5 | 1/12 | Your Rate | |
| 6 | 1/12 | Your Rate | |
| 7 | 1/12 | Your Rate | |
| 8 | 1/12 | Your Rate | |
| 9 | 1/12 | Your Rate | |
| 10 | 1/12 | Your Rate | |
| 11 | 1/12 | Your Rate | |
| 12 | 1/12 | Your 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
| Month | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fee | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate | Your Rate |
| Principal | 1/18 | 1/18 | 1/18 | 1/18 | 1/18 | 1/18 | 1/18 | 1/18 | 1/18 | 1/18 | 1/18 | 1/18 | 1/18 | 1/18 | 1/18 | 1/18 | 1/18 | 1/18 |
| Month | Principal | Fee | |
|---|---|---|---|
| 1 | 1/18 | Your Rate | |
| 2 | 1/18 | Your Rate | |
| 3 | 1/18 | Your Rate | |
| 4 | 1/18 | Your Rate | |
| 5 | 1/18 | Your Rate | |
| 6 | 1/18 | Your Rate | |
| 7 | 1/18 | Your Rate | |
| 8 | 1/18 | Your Rate | |
| 9 | 1/18 | Your Rate | |
| 10 | 1/18 | Your Rate | |
| 11 | 1/18 | Your Rate | |
| 12 | 1/18 | Your Rate | |
| 13 | 1/18 | Your Rate | |
| 14 | 1/18 | Your Rate | |
| 15 | 1/18 | Your Rate | |
| 16 | 1/18 | Your Rate | |
| 17 | 1/18 | Your Rate | |
| 18 | 1/18 | Your 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 MoreROI Calculator4
Learn more about the returns you could see when you invest extra working capital in your business.
Get Started