We've simplified small business lending. Get approved for up to $250,000 and withdraw working capital up to once a day. Pay only for what you use with no hidden costs or prepayment penalties.
Instead of one-time loans, Kabbage offers ongoing lines of credit up to $250,000. You can use any increment up to once per day.
Applying with Kabbage is free, and there’s no obligation to use funds if you’re approved. Your line of credit will be there when you need it, and you won't pay anything until you actually withdraw funds.
Kabbage loans have simple, monthly fees. No hidden charges. No surprises.
Kabbage loans have a monthly fee for every month you have a balance. Every month you'll pay back 1/6 of the total loan (for 6 month loans) or 1/12 of the loan amount (for 12 month loans) plus the monthly fee.
| Months | Rate | Principal | Monthly Fee | ||
|---|---|---|---|---|---|
| 1 - 2 | 4.0% | x | $10,000 | = | $400 |
| 3 - 6 | Your Rate | x | $10,000 | = | $100 |
| Months | 1 - 2 | 3 - 6 |
|---|---|---|
| Rate | 4.0% | Your Rate |
| Principal | $10,000 | $10,000 |
| Monthly Fee | $400 | $100 |
| Months | Rate | Principal | Monthly Fee | ||
|---|---|---|---|---|---|
| 1 - 6 | 3.0% | x | $10,000 | = | $300 |
| 7 - 12 | Your Rate | x | $10,000 | = | $100 |
| Months | 1 - 6 | 7 - 12 |
|---|---|---|
| Rate | 3.0% | Your Rate |
| Principal | $10,000 | $10,000 |
| Monthly Fee | $300 | $100 |
Kabbage loans have a monthly fee for every month you have a balance. Every month you'll pay back 1/6 of the total loan (for 6 month loans) or 1/12 of the loan amount (for 12 month loans) plus the monthly fee.
Fee Rates range from 1.5% to 10% based on a number of business performance factors. Apply to find out what your Fee Rate could be.
Kabbage offers the flexibility of 6- or 12-month loan terms so you can choose what’s best for your business.2
| 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 |
There are no prepayment penalties, so you can pay your loan off early and save on monthly fees.
| 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 |
There are no prepayment penalties, so you can pay your loan off early and save on monthly fees.
Use our loan calculator to estimate your loan payments or learn more about determining the value of a small business loan.
Learn MoreLearn more about the returns you could see when you invest extra working capital in your business.
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