To qualify with Kabbage, your business must be at least one year old with annual revenues of at least $50,0004. Interested in a personal loan instead?** Apply with our partner ›
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.
Instead of one-time loans, Kabbage offers ongoing lines of credit1 up to $250,000. You can use any increment.
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.
Kabbage loans have simple, monthly fees. You’ll only pay for what you use.
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 loan fees 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.
| 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 |
| 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 |
| Months | Rate | Principal | Monthly Fee | ||
|---|---|---|---|---|---|
| 1 - 18 | 2.0% | x | $15,000 | = | $300 |
| Months | 1 - 18 |
|---|---|
| Rate | 2.0% |
| Principal | $15,000 |
| Monthly Fee | $300 |
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 loan fees 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.
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-, 12- or 18-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.3
| 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.3
| Fee | Your Monthly Rate | |
| Principal | 1/18 |
| 1/18 | Your Monthly Rate | X 18-months |
Early payment benefits are not available for 18-month loans.
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.
Get Started