Kabbage APR Calculator

Kabbage offers 6-month working capital loans to small businesses. There’s no origination fee, and there’s no prepayment penalty compared to merchant cash advances and daily debit loans.

A Kabbage loan is structured as follows. Say you borrow $X dollars. Kabbage will assess your risk and determine a risk premium of Y%. Y% will be between 1% – 13.5%. You will pay (1/6 + Y%) * $X for the first two months and (1/6 + 1%) * $X for the next four months.

The total financing cost will be (2 * Y + 4)% of $X. It’s a bit more complicated to calculate the APR. The following calculator makes it a breeze to calculate your Kabbage APR to compare across other loan products.

Learn more about cash flow loans like Kabbage and other financing options.

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