Kabbage Small Business Loans Review

Rating: 9.2 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. 
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Kabbage, founded in 2008 in Georgia, operates a financial services data and technology platform that provides fully automated funding to small businesses. Kabbage offers various types of loans, including working capital loans, revolving lines of credit, and inventory loans, among many others. They have a BBB A+ rating, and a 5-star TrustPilot score.

How is Kabbage rated?


Loan Options
Application Process
Rates & Fees

Overall Rating: 9.2 / 10 (Excellent)

Kabbage is an ideal lender for small businesses that are just starting off and need fast access to working capital, for a variety of uses, such as to pay staff, or finance their day to day operations. The company's qualifications requirements are among the least restrictive in the small business loan sector, and approval/funding can come within minutes. However, should you need access to more than $150,000 to finance bigger purchases, or different types of loan products beside lines of credit, you'll have to look elsewhere. Additionally, the fee structure is rather difficult to understand, and rates are on the high side. Kabbage works best for small businesses with bad credit who know they can use the money to generate enough income that they can then pay the loan off quickly, before fees accumulate.

Loan Options

Available Loan Types

SBA Loans
Term Loans
Lines of Credit
Invoice Financing
Merchant Cash Advances
Equipment Loans

Business Lines of Credit

Min Loan Amount
Max Loan Amount
Min Term Length
6 months
Max Term Length
12 months
Repayment Terms
Kabbage withdraws minimum monthly payments automatically. You can also make manual payments at anytime.

Loan Options - 8 / 10

At a $150,000 max, Kabbage loans provides a decent line of credit with a relatively standard repayment term of 6 months to a year. As the company does not offer any other small business loan products, these are ideal for businesses looking for quick access to working capital. However, should they need more than this to obtain equipment or make other large purchases, a higher max term loan from another provider might be a better choice.

Kabbage Rates & Fees

Lines of Credit

Min. APR

Rates & Fees - 9 / 10

Kabbage APRs can be on the high side, considering their loan terms and monthly fees. Lines of credit have a simple monthly fee for every month you have a balance, and no additional fees aside from this. For 6-month loans you will be responsible for paying 1/6 of the total loan value, in addition to 1.5%-10% of the entire, original loan amount every month. For 12-month loans you will have to pay 1/12 of the loan amount in addition to 1.5%-10% of the entire, original loan amount every month. These charges drive the APR higher, especially if customers choose the 6-month term.

Application & Qualifications

Online Application
Approval Time
10 minutes
Funding Time
A few minutes to several days
Min. Years In Business
1 year(s)
Min. Annual Revenue
Additional Qualification Requirements
Connect Bank Account

Application Process - 10 / 10

Kabbage gets the highest marks for its qualifications and application process. The lender has some of the most lenient qualifications in the business, with no minimum credit score and annual revenue of only $50,000. They also require the business to have been in operation for only a year. Additionally, the application does not require any documentation and can be completed in under 10 minutes.

Kabbage Reputation

Customer Feedback

TrustPilot Score
9.3 out of 10
BBB Rating
BBB Positive Reviews
BBB Negative Reviews
Date Collected

Reputation - 9.5 / 10

Kabbage has a better than average reputation in the small business loans sector. The company possesses a Trustpilot score of 9.3 out of 10, as well as a BBB accreditation of A+ with 84% positive reviews.

Contact & Additional Information

Homepage URL
Company Phone
(888) 986-8263
Headquarters Address
925B Peachtree Street NE, Atlanta, GA, 30309
Mailing Address
925B Peachtree Street NE, Atlanta, GA, 30309
Year Founded

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Our Partner
9.2 / 10
  • Best for companies 1+ year in business & at least $4,200 per mo in revenue
  • Revolving line of credit up to $150,000!
  • Apply online and get a decision right away
  • No hidden fees, pay only when you access your line for the amount you take
  • Monthly payments with no origination fees or prepayment penalties
  • Friendly support representatives