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

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

vs.
Kabbage
Credit Cards
Application Requirements
Leverages a range of business activity data to drive underwriting decision
Relies heavily on traditional FICO score for underwriting decision
Funds Available
Instant if transferred to PayPal, 1-3 days if transfer to bank account via ACH
1 week or more to receive the card in the mail
Type of Funds
Cash: Provides the most flexibility
Credit: Limited to places that accept credit cards
vs.
Kabbage
Other MCAs
Application Requirements
100% online and automated. Simply link existing business accounts and you are done
Required to send additional financial information after initial online application
Time to Decision
Instant decision on the spot*
2 - 3 days
Funds Availability
Instant if transferred to PayPal, 1-3 days if transfer to bank account via ACH
3 days to 2 weeks
Cost
12% for 6 months on average
38% or higher for 6 months*
Repayment
Automated monthly transfer based on loan amount from Kabbage
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 $550 million 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.

  • "Kabbage went out of their way to review my business performance and approve my loan online. Rather than making sure I checked certain boxes, Kabbage really looked for a solution to help my business."

    Christina

    Accountingprose

  • "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 gave me the extra working capital I needed during a slow period to purchase holiday inventory and to cover payroll as I hired new staff."

    Amy

    The MacSpa

  • "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

  • "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.

  • "After being turned down five times for a small business loan, I had working capital in my account from Kabbage in under 10 minutes with no paperwork."

    Mitch

    Windy City Parrot

  • "With the security of my line of credit, I was able to start a secondary business selling supplies to help pave the way for other artists like me. Without Kabbage, this new venture would not have been possible."

    Ashley

    Ashley Spatula Art and Design

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
  • $50 off
    subscription

    Powerful shipping
    technology for SMBs

    Kabbage ShipWorks 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!
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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!
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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!
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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!
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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

Powerful shipping technology for SMBs

$50 off subscription

Take $50 off your ShipWorks subscription and easily create UPS shipping labels, print postage with Endicia and Stamps.com, send email notifications, and track you shipments anytime, anywhere!

Get this deal!
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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!
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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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