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Advertiser & Editorial Disclosure

Line of Credit by Kabbage

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Kabbage Funding™ is a registered trademark of American Express offering a Line of Credit/LOC that allows qualified customers to make withdrawals. Total line is determined at application and constantly monitored and re-assessed. When funds are withdrawn from the line, a loan is created. The loan has short-term repayment options (subject to eligibility).

Nav's Verdict

Cost

LowHigh

Effort to Apply

EasyDifficult

Funding Speed

MonthsMinutes

Repayment Terms

MonthsYears

8/10

Bottom Line

Kabbage Funding™ is a registered trademark of American Express and is a great solution for small business owners looking for a flexible line of credit option with an easy application process.

Pros

Fully digital onboarding journey, approval decision in minutes. Payback an equal portion of the principal with a fee for each month you have a balance

Cons

Shorter repayment terms, costs vary based on your risk profile.

Qualification requirements

Monthly Revenue

At least $3,000 in Monthly Revenue

Time in Business

At least 12 months in business

Personal Credit Score

Minimum 640 personal credit score

Application requirements

Cashflow

Personal and business financial information

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Cost

o 2-9% for 6-month loans o 4.5-18% for 12-month loans o 6.75-27% for 18-month loans

Repayment Terms

o 6-month term: 0.25% to 3.50% o 12-month term: 0.25% to 2.75% o 18-month term: 0.25% to 2.50%

Funding Amount

$2000 - $250,000

Funding Speed

Funds deposited within 3 business days once approved

Application

All digital

Reviews

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For complete information, see the terms and conditions on the credit card, financing and service issuer’s website. In most cases, once you click “apply now”, you will be redirected to the issuer’s website where you may review the terms and conditions of the product before proceeding. While Nav always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of products as stated by the issuer itself.

Personal FICO credit scores and other credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit or financing type you are eligible for. Nav uses the Vantage 3.0 credit score to determine which credit offers are recommended which may differ from the credit score used by lenders and service providers. However, credit score alone does not guarantee or imply approval for any credit card, financing, or service offer.

Editorial Disclosure

Any personal views and opinions expressed are author’s alone, and do not necessarily reflect the viewpoint of Nav. Editorial content is not those of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Reviews are not provided or commissioned by the credit card, financing and service companies that appear in this site. Reviews have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.