The security of having a line of credit on hand

Kabbage puts the power of business growth back in your hands by giving you convenient access to working capital. Enjoy ongoing access to your line, and take the funds you need day or night. Pay only for what you take and draw against your line as often as once a day.

Get an online loan instantly

Select the amount you need and we’ll deposit working capital directly into your bank or PayPal account. No waiting in line.

Now qualified customers can get funds on the go with our new mobile app! Learn more.

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Get what you need to grow

You know what’s best for your business. That’s why we give you easy access to your line so you can:

  • Buy inventory
  • Invest in equipment
  • Hire staff
  • Boost marketing
  • Build a website
  • Get whatever you need to grow
Inventory loan

Get an online loan as often as you need

Unlike a traditional business loan, Kabbage gives you ongoing access to funds with a permanent line of credit.

With lines up to $100,000, you’ll be able to dip into your piggy bank anytime, day and night, for anything you need to grow.

Pay only for what you take. No hidden fees. No early payment fees.

Ways to use a business loan

The Kabbage Difference

Kabbage
vs.
Traditional Business Loan**
100% online and automated. Simply link existing business accounts and you are done
Application Requirements
Multi-page loan documents, income statements, tax records and collateral
Minutes*
Time to Apply
Hours
Instant decision based on real-time business data*
Time to Decision
Two weeks or longer
Take as much as you want, when you want
Flexibility
One lump sum
Dedicated local Kabbage team provides live, personalized service seven days a week
Customer Service
Call Center based Customer Service team, often outsourced

* Kabbage can approve you in minutes when we are able to automatically obtain your business data and instantly verify your bank account. In some situations errors may occur during the sign up process, or we may need to send micro-deposits to confirm your bank account for security purposes. If this is the case, it may take up to several days to provide you access to funding.

** Comparison is to a traditional installment loan, not a line of credit.

Kabbage
vs.
Credit Cards
Leverages a range of business activity data to drive underwriting decision
Application Requirements
Relies heavily on traditional FICO score for underwriting decision
Instant if transferred to PayPal, 1-3 days if transfer to bank account via ACH
Funds Available
1 week or more to receive the card in the mail
Cash: Provides the most flexibility
Type of Funds
Credit: Limited to places that accept credit cards
Kabbage
vs.
Other MCAs
100% online and automated. Simply link existing business accounts and you are done
Application Requirements
Required to send additional financial information after initial online application
Instant decision on the spot*
Time to Decision
2 - 3 days
Instant if transferred to PayPal, 1-3 days if transfer to bank account via ACH
Funds Availability
3 days to 2 weeks
Average of 13.5% for 6; Average of 21% for 12 months.
Cost
38% or higher for 6 months*
Automated monthly transfer based on loan amount from Kabbage
Repayment
Fixed % of your daily credit card receipts volume until the advance is paid back

* Kabbage can approve you in minutes when we are able to automatically obtain your business data and instantly verify your bank account. In some situations errors may occur during the sign up process, or we may need to send micro-deposits to confirm your bank account for security purposes. If this is the case, it may take up to several days to provide you access to funding.

** Source: Business Week - How Merchant Cash Advances Work - January 9, 2009

Comparisons have been obtained through publicly available sources. Individual response time or terms with another provider could be different than stated above.

Trusted by 100,000+ small business owners

Kabbage has funded over $1 billion to help businesses grow. Kabbage is the industry leader in
providing working capital online, but don't take it from us. Watch our customers tell their stories.

  • "Unlike with some other lenders, I knew exactly what my payments would be up front."

    Cristina

    Accountingprose

  • "I can access my working capital online with payment terms I can handle."

    Raelyn

    Liberty Tax Service

  • "Applying for a small business loan with Kabbage took five minutes, and I was stunned how much we qualified for."

    Annie & Curtis

    Curtis Kamiya Music

  • "Without a short-term loan from Kabbage, we would have missed out on a huge opportunity."

    Ingrid

    INGCO International

  • "With my first short-term loan from Kabbage, I funded a campaign to reach my year-end goals without having to tap into my cash flow."

    Margaret

    The Anroma Group – SocializeLA.com

  • "Kabbage provided more than just a small business loan – they gave us a team we can count on."

    Jennifer & Jim

    Jedow Interactive LLC

  • "With Kabbage's online loans, I know I can borrow an amount that is comfortable for me whenever my business needs a boost."

    Amy

    The MacSpa

  • "Kabbage gave me the working capital I needed to get my contracting business through the slower winter months."

    Lisa

    Regency Devlopers

  • "Kabbage has provided a safety net during slow times, allowing us to quickly and easily acquire extra working capital to cover expenses."

    Jenny

    Magna Health and Fitness

  • "With Kabbage, I was able to get working capital to open my business's third location without borrowing from friends or family."

    Jay

    Saving Chicago CPR

  • "The Kabbage loan process was quick and simple, and I was able to do everything online."

    Kathy

    KB Fitness Exercise Studio

  • "Using our small business loan, we have brought on several strategic partnerships to expand our marketing and sales presence throughout the U.S. and Canada."

    Scott

    GlobalBake ERP Inc.

  • "I submitted my business information, was approved and had funds in my account in just a couple of days."

    Ky

    Revive Cleaning Service

  • "I was surprised how easy it was to apply with Kabbage."

    Sharon

    Aire Serv of Corona and Orange County

  • "Getting a small business loan from Kabbage allowed me to invest in new equipment and expand my office space."

    G. Terri

    Still Waters Counseling Services

  • "We wouldn't have been able to purchase enough inventory for our busiest event – and biggest revenue day – of the year without a small business loan from Kabbage."

    Rebeccalyn

    Spiky Jane's Coffee and Wicked Grounds

  • "By working with Kabbage, we've gained a strong financial partner and no longer have to worry about having access to working capital."

    Catherine and Patrick

    Legend Lines

  • "Having a line of credit with Kabbage will help us as we prepare for a larger national launch."

    Sean

    Dude Wipes

  • "I used my small business loan to increase the number of wholesale accounts I serve by 450%."

    Diana

    Diana Ralys Skin Health

  • "I had working capital in my account from Kabbage in under 10 minutes with no paperwork."

    Mitch

    Windy City Parrot

  • "Since switching to Kabbage for small business loans, our revenues are up 30%."

    Rick & Ellen

    Fatman's Beef Jerky LLC

  • "The business loan process was fast, flexible and efficient and allowed me to take advantage of timely purchasing opportunities."

    Chris

    Thumbnail Treasures

  • "Kabbage's Customer Service really sets them apart from other lenders."

    Madeleine

    Madeleine Maternity

  • "With the line of credit I got from Kabbage, I boosted my inventory and launched an SEO campaign that's already driving new customers."

    Ian

    Only Inboards

  • "I was able to take the exact amount of working capital I needed to launch a new product line."

    Vic

    Victor Mill Inc.

  • "Throughout the process, Kabbage has treated me like a partner dedicated to helping my business grow."

    David

    Olde Yankee Bargains

  • "Kabbage was there with the working capital I needed to expand my online small business."

    Trisha

    Trishas Vintage Treasures and Pastime Jewels

  • "Working with Kabbage gave me the working capital infusion I needed to invest in inventory and move my business forward."

    Myk

    MaD Mercantile

  • "My business wouldn't be where it is if not for the opportunities Kabbage has afforded me!"

    Christine

    Christine's Designer Closet

  • "Without Kabbage, my new business venture would not have been possible."

    Ashley

    Ashley Spatula Art and Design

  • "Kabbage's line of credit helps us get the working capital we need."

    Ches & Alex

    Right Way Signs

  • "With the online loan from Kabbage, we hired a sales team to boost our domestic market share, allowing us to expand our mission of changing the world."

    Matt

    Skinny and Company

  • "My line of credit has increased as I've paid off my loans on time."

    Kim

    USA Coax

See how other businesses are using Kabbage

Businesses are using Kabbage in a variety of ways to grow their business. See how business just like yours are
growing their business with Kabbage instant funds.

  • Wet Shave Club
    Wet Shave Club
    Read Full Case Study
  • Curtis Kamiya Music
    Curtis Kamiya Music
    Read Full Case Study
  • Accounting Prose
    Accountingprose
    Read Full Case Study

Customer service is here for you

Our white glove approach to lending includes a focus on real customer service. Unlike many organizations where you can spend forever talking to a machine, Kabbage has friendly, dedicated service representatives here for you.

How can we help you?

Give us a call: 888-986-8263
Email us: support@kabbage.com

How can we help?

Kabbage Perks!

If you thought convenient access to a small business loan was great, get ready for Kabbage Perks. We’ve partnered with some of the biggest names in business to offer exclusive deals to help your business grow.

  • Home delivery
    on your schedule

    Sign up for UPS My ChoiceSM.

    Kabbage UPS perk
  • Get $15,000 Managed For Free

    Tax-Deferred Investing for Small Businesses

    Kabbage Wealthfront perk
  • Free credit consultation

    Gain Insight Into Your Credit

    Kabbage Dun and Bradstreet perk
  • Free 14-day trial

    Open a Successful Online Store

    Kabbage Volusion perk
  • Get $75 to get started with Grasshopper

    The Entrepreneur's Phone System

    Kabbage Grasshopper perk
  • Free 14-day Trial

    Open a beautiful online
    store in just 1 click

    Kabbage Bonanza perk
  • Free 60-day trial and 15% off select products

    Online shipping
    and postage solutions

    Kabbage Dymoendicia perk
  • Free 14-Day Trial

    Products to help
    expand your online store.

    Kabbage Doba perk
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Get Home Delivery on Your Schedule

Sign up for UPS My ChoiceSM — it's free and easy.

Get free delivery alerts by email, text and / or phone for all your inbound packages either the day before or the day of your residential delivery.

Sign up now at ups.com/mychoice

Get this deal!
Close

Drive More Revenue With Social Apps

Free 30-day trial, then 50% off first 6 months

Used by over 10,000 eCommerce store owners, AddShoppers is the leading social commerce platform. Increase shares, sales and conversion rates in 15 minutes with our clever social apps.

Try it free for 30-days, then take 50% off on any 'Pro' package for 6 months.

Get this deal!
Close

Tax-Deferred Investing for Small Businesses

Get $15,000 Managed For Free

Wealthfront is the largest and fastest-growing automated investment advisor. Open a tax-advantaged SEP-IRA retirement account with flexibility to contribute up to $53,000 per year.

Get this deal!
Close

Gain insight into your Credit

Free credit consultation

D&B Credibility Corp. is offering Kabbage customers a Free Business Credit Consultation with a certified Credit Advisor. Gain insight and understanding on the activity and health of your D&B Credit File.

Call (877)-568-9610 for your consultation!

Get this deal!
Close

Open a successful online store

Free 14-day trial

Volusion’s award-winning e-Commerce solution gives premium hosting capabilities, free design templates, tons of money-making tools and free, 24x7 customer support. Get started today with a 14-day free trial from Volusion!

Get this deal!
Close

The Entrepreneur's Phone System

Get $75 to get started with Grasshopper

Grasshopper lets you run your business from your mobile phone. Sound more professional, be accessible from anywhere and separate your work life from your personal life.

Get this deal!
Close

Open a beautiful online store in just 1 click

Free 14-day trial

A Bonanza Webstore gives you instant traffic, award-winning customer service, and lower cost - no coding needed. Open your store today and start with 14 days free.

Get this deal!
Close

Online shipping and postage solutions

Free 60-day trial and 15% off select products

Endicia, the leading provider of innovative and intuitive shipping technologies and services, is offering Kabbage customers a free 60-day trial of their services and a 15% discount on a DYMO LabelWriter 4XLfor printing wide-format 4-inch shipping labels.

Get this deal!
Close

Products to help expand your online store

Free 14-day trial

Get a free 14-Day Doba membership and get access to over 2 Million products in the Doba marketplace. Expand your online storefront with the most trusted drop shipping company in America. Sign up today!

Get this deal!

Questions? View our FAQ or call us at 888-986-8263

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