Kabbage Funding (American Express)

Kabbage Funding is a small business line of credit product now offered under the American Express brand. Kabbage was originally a pioneering fintech lending company that was acquired by American Express in 2020. Today, Kabbage Funding continues to operate as an online small business lending product backed by the resources of American Express.

Kabbage Funding provides revolving lines of credit to qualifying small businesses. A line of credit gives you access to a pool of funds you can draw from as needed, up to an approved limit. You only pay for what you borrow, and as you repay the drawn amounts, that capacity becomes available again. This flexibility makes a line of credit well suited for managing short-term cash flow needs, bridging gaps between receivables and payables, or handling unexpected expenses.

One of Kabbage's original innovations was the use of automated, data-driven underwriting that connected to a business's bank accounts, accounting software and other data sources to make fast credit decisions. This approach was designed to help small businesses that might struggle to qualify through traditional bank processes. That technology-first approach continues under the American Express ownership.

Kabbage Funding operates online across the United States. As an online lender, it can often process applications and provide access to funds faster than a traditional bank, but the cost of borrowing may be higher than a conventional bank line of credit.

Since Kabbage is now part of American Express, existing American Express business customers may find additional integration benefits. If you are comparing small business lines of credit, include your own bank, a local credit union and any relevant bank or online lender in your comparison before making a decision.