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Kabbage Review

Published By Janet Gershen-Siegel at March 20th, 2018

A Look at Kabbage

Kabbage is one of several lending companies online. This online lender provides small business funding in the form of loans and lines of credit. We look at the specifics and drill down into the details about Kabbage.


Kabbage is located online here: Their physical address is:

925B Peachtree Street NE
Suite 1688
Atlanta, GA 30309.

You can call them here: (888) 986-8263. You can email this online vendor at: Their contact page is here: This online lender has been in business since 2009. And this is longer than most of the players in this space.

Kabbage is a venture funded company. This online lender is backed by investors which include SoftBank Capital, Thomvest Ventures, and Reverence Capital Partners. More investors are Mohr Davidow Ventures, the UPS Strategic Enterprise Fund, ING, and BlueRun Ventures. Yet more are Santander InnoVentures, Scotiabank, and TCW/Craton.

The company also offers perks for its customers. So these include special offers from Dun & Bradstreet, UPS, Vonage, and Adobe Creative Cloud. See:

swatch - Kabbage Review

Loans and Lines of Credit

So up to $150,000 is available from this online lender. Also, you can qualify in 10 minutes. There are loan terms of 6 or 12 months. The 6 month loan minimum amount is $20,000. Also, the 12 month loan minimum amount is $100,000. You will have to be in business for more than one year. Your business revenue will have to be $500,000 annually or $4200 per month over the last 3 months.

Kabbage links to your bank or merchant accounts. They do so in order to understand your cash flow and then decide what amount you can afford to borrow. Their lines of credit range from $2,000 up to $150,000. There are no fees to apply or establish your credit line. Hence you pay fees only on what you take.


Fees range from 1.5 – 10%. The rates are based on business performance factors. In addition, you will be able to save money with early payments.


So the advantages of working with this online lender include fairly low fees. Of course the perks are a nice touch not found with other online lenders.


The disadvantages of working with this online include less term flexibility for smaller loans. Also, loans under $10,000 can only be for a six month term. In addition, this online lender’s revenue requirement is rather high.

Kabbage, on Balance

Companies which will do best with Kabbage are already somewhat successful. Also, most businesses could take advantage of the perks. However, smaller companies which are less successful would do well to look elsewhere. In particular, for a company looking for a lower end line of credit would more likely be better served getting a microloan.

And finally, as with every other lending program, be sure to read the fine print and do the math. Also, go over the details carefully, and decide if this option will be good for you and your company.

Other Options

In addition, consider alternative financing options that go beyond lending, including building business credit, to best decide how to get the money you need to help your business grow. This is because business credit building can help companies of any size or age. It can even help out startup ventures. This is because it is a true asset. As a result, with building business credit, you can get vendor credit and then revolving store credit. And then you can get fleet credit and cash credit. Of course any form of credit can help your business. Therefore, a small business with built-up business credit might be able to avoid working with Kabbage altogether.

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