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Kabbage (American Express)

business-lines-of-credit · US
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Kabbage, acquired by American Express in 2020, provides small business lines of credit from $1,000 to $250,000 with a monthly fee structure of 1.5%–10% of the amount drawn. Unlike traditional lenders, Kabbage uses real-time business data — including revenue, accounting software connections, and e-commerce platform data — to qualify applicants, making it accessible to businesses that may not qualify based on credit score alone. Funds are available as fast as minutes for existing customers. Kabbage integrates with QuickBooks, Xero, PayPal, Stripe, Amazon, and Shopify. Terms vary by applicant. Kabbage is available to US-based businesses only.

Quick Answer

Kabbage (American Express) is designed for smb businesses. Pricing starts at $1.5/mo. Best suited for US-based businesses. Acquired and backed by American Express — established financial strength

Pricing

Line of Credit$1000/mo
Line of Credit$250000/mo
Monthly Fee$1.5/mo
Monthly Fee$10/mo

// verify pricing before launch — prices shown may not reflect current vendor rates

Key Features

  • •Lines of credit from $1,000 to $250,000 for small businesses
  • •Revenue-based qualification — uses business data, not just credit score
  • •Monthly fee structure: 1.5%–10% of amount drawn
  • •Fast approval — minutes for existing customers
  • •Strong integrations with accounting, e-commerce, and payment platforms
  • •No prepayment penalties

Pros

  • +Acquired and backed by American Express — established financial strength
  • +Revenue-based underwriting helps businesses with limited credit history
  • +Fast funding — existing customers can access funds in minutes
  • +Deep integrations with QuickBooks, Xero, Shopify, and Amazon
  • +No prepayment penalties — draw only what you need

Cons

  • −Monthly fee structure makes true APR comparison difficult
  • −Fees can be high (1.5%–10% monthly) for businesses with lower revenue
  • −Not available to non-US businesses
  • −Requires connecting business bank account and data sources
  • −Line amounts depend heavily on business revenue and transaction volume

Available on

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Reviewed by Finatune · Last updated 2026-07-12