Kabbage is facilitating the distribution of CARES funds through the Paycheck Protection Program (PPP) 

On behalf of one or more approved U.S. Small Business Association (SBA) lenders, Kabbage is offering PPP loans via a simple online Kabbage application. Loan agreements under this program will be submitted to the SBA for approval and disbursement of funds. 

The interest rate for this loan is 1% with a six-month loan payment deferment and a maturity of two years for repayment. The loan provides economic relief for costs incurred from February 15 to June 30, 2020.

Kabbage is also offering a low-rate gift card sales option to small businesses at this time. If you sign up for Kabbage Payments™, you will get a unique URL from which customers can buy online gift certificates in the amount of $15–$500. Until June 2020, you pay 2.25% per card transaction and 2.5% per gift certificate transaction. 

Kabbage continues to offer line of credit small business loans with less of a focus on personal credit than that of a traditional bank or credit union. 

Kabbage is a lending program based in Atlanta, Georgia, that developed an online algorithm to simplify the application and approval process for small businesses. Unlike traditional lenders, they look at business performance online through business checking accounts, payment processing, and shipping data — not manual forms — to automatically assess qualification.

Kabbage boasts a high success rate: Over 90 percent of all Kabbage transactions come from repeat users. 

For borrowers looking for a small business loan from Kabbage, having a low credit score won't necessarily knock them out of the running. Kabbage looks primarily at current annual revenue (they want to see more than $50k per year or $4,200 per month for the past 3 months) and the amount of time in business (needs to exceed one year). Typical Kabbage borrowers also have a good social media presence and high amounts of inventory.

Kabbage lines of credit are used to cover operating expenses while waiting on payments and receivables, cover operating expenses during slower seasons, and cover unexpected expenses.

Those who choose Kabbage business loans should remember that funding is not available to startups.  

You can find Kabbage reviews below to learn how customers feel about the lender. 

The Good

  • Short-Term Loans
  • Transparent Application Requirements
  • No Closing or Origination Fees
  • Resources
  • Kabbage Card
  • Cash Flow Insights
  • Kabbage Desktop and Mobile App
  • Repeat Users

Short-Term Loans

Loans from Kabbage are great for businesses that need capital on an ongoing basis. Loan amounts go up to $250,000. Kabbage also has a unique borrowing model that allows the borrowers to only use what they need. Even if a business is approved for up to $250,000, the borrower only pays for what they take.  

Loans from Kabbage are set up on a short-term manageable payment platform. They offer eligible customers 6-, 12-, or 18-month loan terms. 

Additional advantages of Kabbage Small Business Loans:

  • Loans are scalable and manageable
  • Quick approval and fast access to funds
  • Simple monthly fee

Transparent Application Requirements

In comparison to other lenders, Kabbage provides a great deal of information online without having to apply first. Their website includes the following helpful information: 

  • Companies need to be in business for one year before applying
  • Companies need to be making a minimum of $50k annually or $4,200 monthly for the past three months
  • No pre-payment penalties on 6- and 12-month terms
  • No closing fees
  • No origination fees
  • 1.5–10 percent interest rates
  • Good resources
  • No minimum credit score needed; Kabbage weighs your personal credit score as less significant than some other lenders

No Closing or Origination Fees

Unlike many business loans providers, Kabbage does not charge any closing or origination fees. This saves borrowers money and can provide them with peace of mind that there are no hidden fees. 

Resources

Kabbage has a "Resources" tab on their website which connects to a blog. This site houses a good amount of content that businesses can access for free, including business news, webinars, eBooks, tips, and more. Under Kabbage's "How It Works" tab, there is a calculator that gives potential borrowers an estimation of their total payment based on the amount they plan to borrow and the length of the term. Typically, the longer the term of the loan, the higher the amount owed. 

Kabbage Card

Kabbage has a new exclusive Kabbage card that customers can keep in their wallets and access their funds whenever and wherever they need them. Customers can apply for the Kabbage card on Kabbage's website through a brief form, and the card will be delivered to them in 7–10 business days. When they receive it, customers can activate the credit card online through their Kabbage account dashboard. The benefits of the Kabbage card include: 

  • Access to available funds at the point of sale
  • Remote access to your Kabbage account
  • Business purchases and investments anywhere Visa is accepted
  • No minimum purchase amount or limit to the number of purchases allowed in a day (but limitations include 25K daily card limit, 50K monthly, and 600K annually)
  • No additional hidden monthly fee or cost 
  • Straightforward terms: with every transaction made by the Kabbage card, it creates a new, six-month loan that has the same fees and terms as customers' other six-month business loans. 

Cash Flow Insights

Kabbage can help business owners understand crucial data with the Kabbage Insights™ tool. This tool brings together your checking account and other bank account information in one place so you can see the big picture of your business performance and cash flow patterns. Furthermore, it can generate balance forecasts and alerts that can inform your decisions as you prepare for future opportunities and needs. 

Kabbage Desktop and Mobile App

Users can apply for funding and manage their business line of credit through the Kabbage mobile app and desktop version. The option for mobile usage is paramount for businesses that want to stay competitive, and the Kabbage mobile app averages 4+ stars by mobile reviewers for its utility.

Repeat Users

The average Kabbage customer utilizes the line of credit four times a year. This indicates that many businesses are using Kabbage's service and that the payment scale is affordable and sustainable. Additionally, the high number of repeat users indicates that Kabbage's application and approval process is streamlined for small businesses. Customers simply need their financial documents and a quality credit score. If a customer qualifies, there is an instant approval, rather than an extended waiting period. 

Check rates with Kabbage

The Bad

  • Short-Term Solutions
  • Low Amounts of Capital
  • Personal Guarantee
  • Exclusions

Short-Term Solutions

As mentioned earlier, Kabbage's lending platform is based on the line-of-credit industry. When customers apply for a loan with Kabbage, it is a short-term solution. Most Kabbage clients use their funds for short-term needs, such as equipment upgrades, purchasing inventory, or funding payroll. Kabbage does not offer traditional loans, large loans for bigger businesses, or other types of conventional funding. Another factor to consider is that Kabbage does not offer an SBA (Small Business Administration) service. Therefore, the borrower is not included in some key SBA programs. 

Low Amounts of Capital

Kabbage only lends business owners a maximum of $250,000. This amount makes sense if there are only 12 months to pay back the loan, but it's not a large enough working capital for many businesses.

Personal Guarantee

When someone takes out a Kabbage loan, they state that "you personally guarantee that you will pay back your loan, but you do not have to put up any real estate or personal collateral." In many cases, a personal guarantee requires the borrower to put up personal collateral. This confusing language makes it difficult to know what collateral customers are really promising to Kabbage when they take out a loan. Read Kabbage reviews below to learn how borrowers feel about the lender and the personal guarantee. 

Exclusions

Like most online lenders, Kabbage does mention a few industries that aren't eligible for funding:

  • Marijuana/CBD companies
  • Firearms
  • Gambling
  • Financial institutions
  • Lending organizations
  • Nonprofits

The Bottom Line

Kabbage is a great way for small business owners to secure short-term business loans. Borrowers should consider Kabbage as a lender if they need small amounts for immediate short-term needs, such as new inventory purchases or payroll. Potential Kabbage loan customers should read Kabbage business loan reviews if they want get a better grasp of what the company has to offer.

Overall, if you don't mind waiting a few days for funding, can work with low amounts of working capital, and you feel confident in your ability to pay back the loan (and don't mind having a personal guarantee attached to the loan), we recommend using Kabbage.

If you want to see how customers feel Kabbage measures up to other business lenders in regards to term loans, loan amounts, repayment terms, customer service, and more, check out Kabbage reviews below. 

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User Reviews

Star Rating

4.8
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1,006 Reviews

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Andrew N

August 5th, 2020 Plainview, NY DETAILS arrow_drop_down
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Amber H and the rest of the Kabbage team quickly answered my emails and answered all my questions. They helped process my PPP loan and I can not thank them enough. 5 Star effort by their team. A very big help

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Ocey

August 5th, 2020 Montclair, NJ DETAILS arrow_drop_down
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I called customer service for information on my PPP loan. I spoke to Stephanie W. She was very polite, helpful, and informative. She answered all my questions in great detail. Best customer service experience ever!

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Marcus Arnold

July 31st, 2020 Detroit, MI

The phone bank structure is inept at best as I was on hold many days for hours trying to get through while trying to work, but you have one rep named Marcus C. that took the reigns of my file and met all my needs his professionalism is excellent!

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Pavithran

July 28th, 2020 Little Rock, AR

I really loved service and dedication of Stephenie W. Who taken care my problem with patience and responsibility. She listened to my request and work throughout to get it fixed. Really feel happy working with Stephenie W. This 5 star is for you. Good luck..

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Cathy C

July 18th, 2020 Bend, OR DETAILS arrow_drop_down
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I'm writing to praise Zelenka for her excellent customer service. She answered my questions with knowledge, kindness, and professionalism. Thank you!

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JT Edson

July 17th, 2020 Canyon Country, CA DETAILS arrow_drop_down
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My business has been utilizing Kabbage's Business Loan Platform for the last 4 years. Very, very happy with their service. I was helped by a wonderful lady in Atlanta today...her name was Zelenka, and her customer support was "Outstanding". Thank you Zelenka!

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Robert Webb

July 11th, 2020 Mableton, GA

Amber H. was very fast and efficient in getting my issue resolved!

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Mora Junior Etienne

July 10th, 2020 Lakeland, FL DETAILS arrow_drop_down
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Matt was respectful, patient and knowledgeable

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David

July 9th, 2020 Huntington Beach, CA

Kabbage lending was the worst financial company I have ever worked with. Their customer service is ZERO. They were 100% non responsive, they failed to reply to an overnight letter, and email requesting a simple phone call. Their phones auto answers then times out and hang up. Because of their horrible service I was not able to apply for a PPP loan.

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Smoothie King 1103

June 30th, 2020 Ruskin, FL

A business owner, I had applied for a PPP Loan with Kabbage and had mistyped my email address. A disaster as an email account is required to verify important information, for two days I did all I could to create the errant email account to no avail and to discuss my error with Kabbage. Today I was blessed to reached Zelenka. Once I explained my dilemma, she quickly relieved my anxiety, explaining the processes in place to correct my mistake and assuring me I would be helped. Simply stated, I needed fast help and timely help I received. More so I found Zelenka to be kind, considerate, thoughtful, and full of goodness. Her selflessness evident as well ... today I am certain I met one of the nicest people in the world today. It was a pleasure having the problem I had solved with Zelenka's assistance and dedication. Much appreciated Kabbage, please keep hiring and promoting people like her. Be assured, she is making you proud. Please pass on my personal thanks to Zelenka. Lastly, please let her know, she would be hired by all I know and that she is truly amazing. KUDOS in the highest!!!

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Stephen Slack

June 29th, 2020 ,

The Application process was smooth, the approval was smooth, getting the money not so smooth (it seemed to get lost somewhere on the way to the bank). I will say that everyone I spoke to was extremely pleasant and tried to help locate it. Marcus C. was particularly helpful and quite determined to locate the missing funds.

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Brenda Hart

June 29th, 2020 ,

Very helpful and patient customer service rep (Zelenka). Thank you for your help today, we appreciated your kindness. Dave and Brenda Hart

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Martin Goins

June 29th, 2020 Castro Valley, CA

Was a great experience with Rebekah M she was great need more of here in a lot of companys

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King Yumyum

June 28th, 2020 Columbus, OH

I've had ran into a few issues but Mark and customer service has helped out a lot his very very patient and understanding thanks

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Success Solutions

June 27th, 2020 Brooklyn, NY

The representative that assisted me was Ryan W, he was very professional and efficient. He immediately resolved my issue. I'm so grateful. Thank you

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Natasha

June 26th, 2020 Fort Lauderdale, FL DETAILS arrow_drop_down
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To whom it may concern: Ryan W. Was so helpful, patient and at Atentative in helping me process my application. With so many small businesses applying for PPP Through Kabbage & with so much demand, I am so pleased to know that such great customer service was given to me. Ryan is a real asset to your company.

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Santos Enrique Merino

June 24th, 2020 Azusa, CA DETAILS arrow_drop_down
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I'm very please with Jules today she was very professional and helped me with my payment specially now that I need it the most. Thank you Jules.

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David Mc Gee

June 19th, 2020 Torrance, CA DETAILS arrow_drop_down
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Drama free loan. Excellent customer service. I had the pleasure to talk to Zelenka, she was amazing. Zelenka, resolve all my questions and issues. It's good to know a business still have good customer service employee's.

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Walt Addison

June 17th, 2020 Atlanta, GA

Customer service is atrocious, spent over a month attempting to reach your support team. I finally got through to Matt R who helped me cancel my Kabbage PPP loan.

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Laura Duquetts

June 17th, 2020 East Longmeadow, MA

Jeff T was a lifesaver!!! Even though it wasn't technically his department, he took the time to listen to my issue and was able to resolve it quickly and efficiently. Prior to this it had taken me 3 days of diligent effort to get through to someone , with another representative from the same department advising they couldn't help me. Jeff went above and beyond to help me and my small business during this chaotic time. His effort it beyond appreciated!!!!

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Louis

June 16th, 2020 Santo Domingo Este, 32 DETAILS arrow_drop_down
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By far the most exceptional customer service. Ryan W. was terrific in assisting me with the task at hand. He delivered above and beyond. Thanks again,

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Lee Zimmerman

June 16th, 2020 Maryville, TN

Stephenie W. was terrific -- she really helped me out quite a but and she was very patient and helpful. I had a TREMENDOUS amount f difficulty counting Kabbage by phone and email and it wasn't until I reached Stephenie that I was able to find someone o assist. She basically made my PPP loan possible and I'm very grateful to her.

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Marie De La O

June 12th, 2020 El Paso, TX DETAILS arrow_drop_down
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Attend my questions and answer them as soon as they can which its reasonable because of all people helping once. I am very thankful specially with Ryan W he was very and way to helpful at moment I need someone for assistant He was the one there thank you so much...

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winston davis

June 10th, 2020 North Charleston, SC

Great people to work with . friendly staff

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robert dowds

June 5th, 2020 Palm Bay, FL DETAILS arrow_drop_down
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always responsive to my requests staff are pleasant at all times Thanks Robert

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Kelly

June 2nd, 2020 Dover Plains, NY

My experience with Kabbage has been nothing but positive, espeicallly during Covid-19. Jules was so very helpful , as well as many others. Thank you Kelly

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Zach Shagi

June 2nd, 2020 New York, NY

Ryan W is so helpful, thank you I really appreciate it!

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Linda Dagley

June 1st, 2020 Tacoma, WA

Stephanie W. Was super helpful and friendly during our call. She answered all of my account questions and directed me to the office that could further assist me. Thanks much!

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Robert Bryant

June 1st, 2020 Denver, CO DETAILS arrow_drop_down
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Ryan W, quickly solved my issue with changing my email address.

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Sheritta Turner

May 31st, 2020 Orlando, FL

I liked that Kabbage has great customer service an Ryan W was very concerned, he took the time out to explain my next steps to me in getting my loan into my account. This is my first time being a Kabbage customer an my service was great.

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Oscar Guerra

May 30th, 2020 White Plains, NY

Marcus C was phenomenal and a pleasure to speak with! He was very professional, knowledgeable, and his demeanor/tone was excellent! He is a true asset to your company and I can tell he will climb the ladder quickly if given the opportunity!!! My phone call lasted about 50mins and felt like only 10mins. Being a self employed person I have dealt with many clients and customer service people over the years. And Marcus was by far one of if not the best customer service person I've ever spoken to. He will go far in whatever he chooses to do in life! Once again a Big Thank You to Marcus for his outstanding customer service and for making my morning a good one!!! Have a great day! Oscar Guerra

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Kundan kumar

May 29th, 2020 Anaheim, CA

I spoke with Marcus. He is outstanding and helped me out of his way. My thanks to Marcus for his performance and dealing with the customer.

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Gilbryonna Shaw

May 23rd, 2020 Owings Mills, MD DETAILS arrow_drop_down
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Stephenie was super helpful! She explained to me my current options regarding skipping a payment & she explained options for I needed assistance in the future . She was also super friendly !

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Mary Roman

May 21st, 2020 Chicago, IL

Easy to use and navigate site, customer rep- Ryan W- is EXCEPTIONAL. Very helpful and very prompt in response.

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Karen Stephens

May 19th, 2020 Novato, CA

Ryan W. was a tremendous support for the stressful and sometimes confusing PPP loan application process. It was so great to connect with a live person who understood the challenges we were facing and guided us through the process.

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Brad Brown

May 19th, 2020 Lehi, UT

Ryan and everyone has been absolutely perfect especially in this challenging time..Thank you to everyone I have spoken to and have helped me!!!!

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Temitope Ak

May 15th, 2020 Atlanta, GA

Marcus is beyond average, he went above and beyond to get my account resolve.

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Gleb

May 13th, 2020 Los Angeles, CA DETAILS arrow_drop_down
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Those guys always nice and trying to help with any questions we have!

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Emily Coplon

May 10th, 2020 Wallingford, PA

Everything was going smoothly but then there was a glitch and I couldn't not access my loan docs. It was extremely difficult to get through to a person but once I got through to Rebekah she fixed everything! She was extremely patient and stayed on the line to be sure it was all submitted properly. thank you

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Jim

May 7th, 2020 Corona, CA

I applied for my PPP loan through Kabbage not having any experience with them. Overall they've been great, I needed some assistance with submitting documents. I called this morning and luckily was connected with Jules. Jules took the time to walk my through everything step by step, she looked over my application to make sure they had everything and within a few minutes she sent over loan docs. She was of great help! Thank you Jules, Jim

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Chad Sells

May 7th, 2020 Port Richey, FL DETAILS arrow_drop_down
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They have always been there when I needed them and during the Covid-19 disaster they were quick to help with relief on my loans. The representative I had help me was named Jules and she was a huge help as she walked me through the process. I appreciate Jules and Kabbage’s support during these difficult times and I look forward to doing business for many years

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gary nageli

May 5th, 2020 Pittsburgh, PA DETAILS arrow_drop_down
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They have always been attentive to their customers needs. Nothing negative to say.

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Maria

May 5th, 2020 Emeryville, CA

Marcus was very professional and extremely helpful. He was able to walk me through everything with so much patience and understanding. Thank you so much , Marcus. I wish there were more professionals like you, so kind and helpful.

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Horlick LawFirm

May 1st, 2020 Atlanta, GA

I found Kabbage by referral, and used it to apply for a PPP loan. My experience was extremely smooth, informative, and easy. I applied for a few online, and Kabbage was by far the easiest and best-explained interface. Also, Gus from customer service was extremely nice and took the time to help me through the process and explain everything to me very thoroughly and professionally. Great experience overall!

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Ivan Ramos

April 29th, 2020 Martinez, CA DETAILS arrow_drop_down
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Jules (Kabbage Representative) had quickly responded to my email and completed request with a detailed explanation. I just wish a lot more companies had representatives that are extremely helpful during these difficult times.

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Paul Lapp

April 29th, 2020 St. Petersburg, FL

Zelinka was very helpful and very knowledgeable

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Eddie Hakim

April 29th, 2020 Brooklyn, NY DETAILS arrow_drop_down
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The Representative that helped me was GREAT - Her name is JULES Needed to defer payment because of this Covid19 Disaster As far as Kabbage as a whole it came in handy when I was desperate BUT if you need working capital they are way too expensive

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Kathryn Vercillo

April 28th, 2020 San Francisco, CA

The company has provided excellent customer service particularly during the challenges my business has faced as a result of COVID-19

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Good Price Restaurant Supplies

April 28th, 2020 Ontario, CA DETAILS arrow_drop_down
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Jules promptly helped me out with my issue I appreciate Jules and Kabbage’s support during these difficult times I look forward to doing business for many years

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Legendary Glitter

April 28th, 2020 Sterling Heights, MI DETAILS arrow_drop_down
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Jules has been a huge help during this COVID19 pandemic. She was quick to respond to my email after I was unable to get through via phone. Her assistance helped my business tremendously and I am very appreciative of her, and Kabbage altogether. I will forever be a customer! THANK YOU!