what it costs /

Loan Rates
and Terms


We’ve simplified small business lending. Get approved for up to $250,0001 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 offers ongoing lines of credit1 up to $250,000. You can use any increment.

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

Applying with Kabbage 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 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. Kabbage® 6- or 12-month loans have a fee every month you have a balance, while 18-month loans have the finance charge accrued in full at the time the loan is funded and an equal portion of the fee is paid each month for 18 months, regardless of reduction of your 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 - 182.0%x$15,000=$300
Months1 - 18
Rate2.0%
Principal$15,000
Monthly Fee$300
How are fees calculated?

Every month, you’ll pay back an equal portion of the loan principal plus the monthly fee. Kabbage® 6- or 12-month loans have a fee every month you have a balance, while 18-month loans have the finance charge accrued in full at the time the loan is funded and an equal portion of the fee is paid each month for 18 months, regardless of reduction of your balance.

What Fee Rate should I expect?

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.

Estimate your fees and payment schedule:

6-, 12- and 18-month terms

Kabbage offers the flexibility of 6-, 12- or 18-month loan terms so you can choose what’s best for your business.2

Monthly Payment 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 Payments

  • 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.3

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 Payments

  • 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.3

FeeYour Monthly Rate
Principal1/18
×18-months
1/18Your Monthly RateX 18-months

Simple Monthly Payments

  • Every month, you pay back 1/18 of the loan principal plus the monthly fee.
  • 18-month terms require a $15,000 minimum loan.
  • Your Fee Rate will be between 1.25% and 3.25% of the principal loan amount.

Early payment benefits are not available for 18-month loans.

Loan Calculator4

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

Learn More

ROI Calculator5

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

Get Started