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Kabbage

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Kabbage

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$100 Guarantee
  • Short-Term Loans
  • Repeat Users
  • Resources
  • 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 revenue (they want to see more than $50k/year or $4,200/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 covering unexpected expenses. Those who choose Kabbage business loans should remember that funding is not available to startups.   

    The Good

    • Short-Term Loans
    • Transparent Application Requirements
    • Resources
    • Kabbage Card
    • 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 fees

    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

    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 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. 

    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

    Short-Term Solutions

    As mentioned earlier, Kabbage's loaning paradigm 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. Other limitations include: 

    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. 

    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.

    Disclaimer

    As part of our service, we attempt to partner with all the companies that we review, and may get compensated when you click or call them from our site; however, regardless of any current, past, or future financial arrangements, companies listed on Best Company cannot buy their position, nor do we manipulate or inflate a company's ranking for financial gain. A company’s ranking is based on and calculated by an objective set of ranking criteria, as well as user reviews. For more information on how we rank companies, click here.

    All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify us here.


    User Reviews

    4.8

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    473 Reviews

    Your trust is our top priority, so we check all reviews for accuracy and relevance. Additionally, we do not allow companies to alter or remove reviews. Learn more

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    Nanci Wilkinson-Kurtz
    January 16th, 2019 El Paso, TX

    I was having problems getting my first loan to go through because I had made a mistake when setting up the account. The representative was fast and efficient in getting the problem resolved and made sure that the rest of the process went smoothly.

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    Rina
    January 16th, 2019 Federal Way, WA DETAILS
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    Jared l was great at communicating and taking care of all issues

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    Michael Fuqua
    January 16th, 2019 Winter Haven, FL DETAILS
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    Emma B was very helpful in deferring my monthly payment. She followed up with me and explained in detail how deferring a payment works.

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    Nickolas Reed
    January 16th, 2019 Smyrna, DE DETAILS
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    I called customer service today with what I perceived as a billing discrepancy. I spoke to Zelenka H and she took her time over and over again explaining to me how it worked until I finally understood. She was patient and professional. She was absolutely pleasant! If she is representative of all your customer service reps then Kabbage has zero worries. Awesome!

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    Bill
    January 15th, 2019 Bloomfield, NJ

    Straightforward process, simply explained. Good service and no pre-pay penalties.

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    Kyle Knop
    January 14th, 2019 Overland Park, KS DETAILS
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    Very helpful company. We would not be able to operate without them. Thanks, The Kansas City Paint Co.

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    Svetlana
    January 14th, 2019 Leesburg, VA DETAILS
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    It was a very pleasant experience. I spoke to Brandon L and he was able to quickly resolve all my issues.

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    luay
    January 14th, 2019 El Cerrito, CA DETAILS
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    professional , patience and understanding

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    Latarshia Gray
    January 11th, 2019 Shreveport, LA DETAILS
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    Horrible experience with account manager Andrew but great call with customer service rep Becca

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    Jessica
    January 10th, 2019 Dover, NH DETAILS
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    Very responsive & knowledgeable representatives who solved my issue within minutes. Thank you Kabbage!

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    GizzMoVest
    January 10th, 2019 Goleta, CA DETAILS
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    Caitlyn (Customer Service) was very professional and concise in her responses. The issue was resolved quickly.

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    Gail O.
    January 10th, 2019 Fullerton, CA DETAILS
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    Historically, and today, I have always received excellent service and care from your representatives. I spoke to Matthew today, and he was very helpful, professional and he was able to assist me with my request painlessly. Love this company so much!

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    Linda
    January 10th, 2019 Lawrenceburg, TN DETAILS
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    Zelenka handled my request and did an excellent job with her customer service!

    Kabbage Logo

    Reply from Kabbage

    Jan 09, 2019

    Thanks for the wonderful review! We look forward to continually partner with you and your business.

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    Jamal Ntale
    January 9th, 2019 Jacksonville, FL

    Well was a nice experience and to get help in case of loss as my account have run down by thieves kabbage stuff we're wonderful in assisting me great thanks

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    Bob
    January 9th, 2019 Chagrin Falls, OH DETAILS
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    Josh was super helpful and was made a great impression as it relates to customer service. Great Job Josh

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    Barry Boren
    January 9th, 2019 Laguna Niguel, CA DETAILS
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    Thank You Zelenka, it was refreshing to have such informed and friendly service.

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    Ron
    January 9th, 2019 Milton, FL DETAILS
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    Christian was able to answer my questions to the best of his ability.

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    Frank
    January 9th, 2019 Tampa, FL DETAILS
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    Very helpful and responsive. Zelenka was great to work with and it is much appreciated!

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    ckim
    January 8th, 2019 Kirkland, WA DETAILS
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    excelent respond and fast funds deposit.

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    Reply from Kabbage

    Jan 09, 2019

    Thanks for the review!

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    Lizbeth Duran
    January 8th, 2019 New York, NY DETAILS
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    He was Very quickly to respond and to solve.

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    Reply from Kabbage

    Jan 09, 2019

    Thanks for the review!

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    leanders johnson
    January 8th, 2019 Houston, TX DETAILS
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    Great service, quick response to solve problems.

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    Reply from Kabbage

    Jan 09, 2019

    Thanks for the review!

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    Shawn
    January 8th, 2019 Altoona, IA DETAILS
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    Kabbage is great, from the application to servicing calls. Becca was a great help!

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    Reply from Kabbage

    Jan 09, 2019

    Thanks for the great review!

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    Trina
    January 7th, 2019 Flint, MI DETAILS
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    Emma B was very helpful and informative when I needed a recent date change for my payment. Sales did not go as anticapated and it worked out better for me to have a couple more days added to my payment due date this past month. Thank you Emma B for the great service!! Trina

    Kabbage Logo

    Reply from Kabbage

    Jan 09, 2019

    Thanks for the review, Trina. We are delighted to know you had a good experience with Kabbage.

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    jaime rios
    January 4th, 2019 El Reno, OK

    Diamond T,had great customer service, very helpful with some concerns I had with process.

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    Reply from Kabbage

    Jan 09, 2019

    Thanks for the review!

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    Nick
    January 4th, 2019 Cuyahoga Falls, OH DETAILS
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    Zelenka from Customer Support was amazing to work with!

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    Reply from Kabbage

    Jan 09, 2019

    Thanks for the review!

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    Sylvie H
    January 2nd, 2019 Chicago, IL DETAILS
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    Josh was very professional and was able to assist me right away with changing my bank information, I had to call back and again I got him on the phone and he assured me that everything was fine.

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    Reply from Kabbage

    Jan 09, 2019

    Thanks for the review!

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    Patrick Wieland
    January 2nd, 2019 Littleton, CO DETAILS
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    Kabbage has been a life saver for me from time to time. I also have found their customer service people to be very helpful and knowledgeable.

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    Reply from Kabbage

    Jan 02, 2019

    Thanks for the review, Patrick!

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    Dana
    January 2nd, 2019 Fairfield, NJ

    I am very pleased and everybody was so helpful and knowledgeable!! I received my approval almost immediately and the funds should be in my account within the next 3 business days! I look forward to establishing a long and prosperous business relationship with Kabbage and I look to receiving my Kabbage credit card for all future purchases. Terrific job!😋

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    Reply from Kabbage

    Jan 02, 2019

    Thanks for the wonderful review. We look forward to continually earning your business!

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    John
    January 2nd, 2019 Phoenixville, PA DETAILS
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    The company is a rip off. They charge outrageous fees and constantly call you. They reduce your line of credit without even letting you know, even though you pay them on time.

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    Reply from Kabbage

    Jan 09, 2019

    Hi John, my name is Bethany and I am a Customer Advocate at Kabbage. I would love to look into your account, but am having trouble locating it. I will private message you my email address and I look forward to connecting. If you want to reach out to Customer Service you can at [email protected] Thanks

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    Alex I / Vercon Development
    January 2nd, 2019 Cassville, NJ DETAILS
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    I Had the pleasure of Speaking with Sami this evening regarding my account. She was extremely professional, knowledgeable, and caring representative of Kabbage A-team. Thank you Sami for thorough A+ service! Have a great New Years!

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    Reply from Kabbage

    Jan 02, 2019

    Thanks for the wonderful review! We are thrilled to know that you had a good experience with Kabbage.

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    Chris Dunn
    January 2nd, 2019 Little Rock, AR

    Kabbage has been a good experience so far. Matthew T has been a delight to work with. Not to pushy but he is knowledgeable and shares information. I would love to do business with Matt in the future.

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    Reply from Kabbage

    Jan 02, 2019

    Thanks for the great review!

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    Raynette Ilg
    January 2nd, 2019 South Elgin, IL DETAILS
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    He was pleasant enough, he just seemed to need to put me on hold more than I was expecting.

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    Reply from Kabbage

    Jan 02, 2019

    Thank you for the review!

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    Tommy Maples
    January 2nd, 2019 San Francisco, CA DETAILS
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    He helped make sure that I didn't do anything that could negatively impact my loan.

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    Reply from Kabbage

    Jan 02, 2019

    Thanks for the review!

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    Cleo Gilmore
    January 2nd, 2019 Tampa, FL DETAILS
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    Emily S. was knowledgeable and has a great personality ...

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    Reply from Kabbage

    Jan 02, 2019

    Thanks for the review!

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    Abraham
    January 2nd, 2019 San Dimas, CA DETAILS
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    I was given excellent customer support on an issue with my account. Josh S answered all my questions in a timely and very professional manner. Great overall experience. Highly recommend

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    Reply from Kabbage

    Jan 02, 2019

    Thanks for the review, Abraham!

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    DPB
    January 2nd, 2019 Summerville, SC DETAILS
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    Couldn't have had a better customer service experience while resolving an account issue. Emma B was "all of the above" and helped me resolve matters immediately!

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    Reply from Kabbage

    Jan 02, 2019

    Thank you for the review!

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    Roy Hodge
    January 2nd, 2019 Roseville, MI DETAILS
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    I needed more time to make my monthly payment. The representative Sami, helped me out with that. She was very courteous and very helpful with my delimma.

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    Reply from Kabbage

    Jan 02, 2019

    Thanks for the review!

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    Cecilia Goldey
    December 27th, 2018 Manor, TX DETAILS
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    Kabbage was very easy to use and though the payment schedule is stringent, it motivated us to pay off the our loan much faster. Jared and Anthony were very helpful in assisting us with paying off our loan.

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    Reply from Kabbage

    Dec 28, 2018

    Thanks for the review!

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    Christine McGowan
    December 27th, 2018 Carlsbad, CA DETAILS
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    Jared was very helpful and resolved my issue timely.

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    Reply from Kabbage

    Dec 28, 2018

    Thanks for the review!

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    Jeff
    December 27th, 2018 Independence, KY DETAILS
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    My customer service experience with both Jonathan and Jerrod was exceptional. My only reason for less than 5 stars is because I wasn’t able to get through by calling customer service and had to ask Jonathan to help me. I was getting sent to voicemail.

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    Reply from Kabbage

    Dec 28, 2018

    Thanks for the review. I'll look into the phone lines and see if that was an issue. If you can't reach us, we can be reached via email as well at [email protected]

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