Last updated: November 2026
Kabbage no longer lends under its own name, so every borrower now needs a Kabbage alternative. American Express bought most of Kabbage's business in October 2020 and retired the Kabbage brand in February 2023, and kabbage.com now redirects to American Express Business Blueprint. Kabbage's direct successor is the American Express Business Line of Credit: lines of $2,000 to $250,000 at approval, for owners with a 660+ FICO score, a business at least a year old and $3,000 or more in average monthly revenue. If that does not fit, the closest alternatives are the Bluevine and OnDeck lines of credit, Fundbox for very young businesses, and Credibly or National Funding for lower credit scores or larger amounts. All of them are compared below, checked in November 2026.
What happened to Kabbage
| Date | Event |
|---|---|
| 2011 | Kabbage, founded in Atlanta in 2009, begins making automated online loans to small businesses. |
| October 2020 | American Express acquires the substantial majority of Kabbage. The Paycheck Protection Program (PPP) loan portfolio is not part of the sale. |
| October 2022 | Kabbage, Inc., doing business as KServicing, the separate entity left holding the PPP loans, files for Chapter 11 to wind down that portfolio. |
| February 2023 | American Express launches Business Blueprint and retires the Kabbage brand. |
| Today | kabbage.com redirects to American Express Business Blueprint, home of the American Express Business Line of Credit. |
The American Express Business Line of Credit (checked November 2026)
- Line sizes: $2,000 to $1,000,000 overall, but lines at approval are limited to $250,000; select customers receive more than $150,000 at approval, and increases up to $1,000,000 can be requested later.
- Pricing: no interest. Each loan carries a monthly loan fee of 0.55% to 1.55% of principal, disclosed before you accept, with no origination, annual, application or prepayment fees.
- Repayment: each draw becomes its own installment loan of 6, 12, 18 or 24 months, subject to eligibility.
- Requirements: at least 18 years old, a business started at least a year ago, a FICO score of at least 660 at application (it may be higher based on your situation) and recent average monthly revenue of at least $3,000.
- Lender: loans are issued by American Express National Bank.
For an owner with good credit, this line is one of the most transparent on the market, and the low revenue minimum helps smaller businesses. Holding an American Express card is not among the published requirements; the application asks for your EIN and Social Security number.
Who should look beyond the Amex line
- Credit score under 660. Bluevine and OnDeck publish 625 minimums, Fundbox about 600 (per NerdWallet) and Credibly 500+.
- Less than a year in business. Fundbox (3 months, per NerdWallet) and Credibly (6 months) publish lower bars.
- Need more than $250,000 now. Lines at approval are capped at $250,000. Credibly advertises up to $600,000, National Funding up to $500,000, and SBA 7(a) loans go up to $5 million.
- Want more than 24 months to repay. SBA loans, bank loans and equipment financing offer longer terms.
Kabbage alternatives compared
| Option | Published amount | Published minimums | Repayment | Best fit |
|---|---|---|---|---|
| American Express Business Line of Credit | $2,000 to $250,000 at approval | 660+ FICO, 1+ year, $3,000+ average monthly revenue | 6 to 24 months per draw; monthly fee 0.55% to 1.55% | Former Kabbage borrowers with good credit |
| Bluevine Line of Credit | Up to $250,000 | 625+ FICO, 12+ months, $10,000+ monthly revenue; corporations and LLCs only; not in NV, ND, SD | Weekly or monthly | LLCs and corporations with fair-to-good credit |
| OnDeck Line of Credit | Up to $200,000 | 625+ FICO, 1+ year, $100,000+ annual revenue; not in ND | Weekly or monthly over 12, 18 or 24 months | Established businesses needing speed |
| Fundbox | Up to $250,000 (per NerdWallet) | 600 score, 3 months, $30,000 annual revenue (per NerdWallet) | Weekly, 3 to 24 months | Very young businesses |
| Credibly | Up to $600,000 | 500+ credit score, 6+ months, $15,000+ monthly revenue | Varies by product | Lower credit scores with solid deposits |
| National Funding | Working capital $6,000 to $500,000 | Most customers 600+ FICO; reviewers cite 6 months and $250,000 annual revenue | Daily or weekly over 4 to 24 months | Larger lump sums |
| SBA 7(a) or SBA Express loan | Up to $5 million (7(a)); up to $500,000 (Express) | SBA eligibility plus each lender's credit standards | Monthly, up to 10 years for working capital | Lowest cost if you can wait |
Beyond lines of credit
Kabbage was known for small, automated lines, but a line is not always the best tool:
- Invoice factoring suits B2B companies whose cash is tied up in 30- to 90-day invoices. See our guide to invoice factoring.
- Equipment financing spreads the cost of an asset over its useful life. See the equipment financing guide.
- Revenue-based financing, such as a merchant cash advance, is approved mainly on deposits and can fund quickly, but it is usually the most expensive option. Read what a merchant cash advance is first.
For a deeper look at the lenders named here, see our Bluevine alternatives and OnDeck alternatives guides. Kabbage is not the only well-known lender to leave the U.S. market; Funding Circle did too, as our Funding Circle alternatives guide explains.
How FSE compares options from multiple lenders
Every lender above has its own credit box, and applying to them one at a time takes days and repeats the same paperwork. FSE (Funding Solutions Experts) is an independent commercial finance brokerage that works with 50+ lending partners across working capital, lines of credit, term loans, equipment financing, real estate-backed funding and merchant cash advances. You complete one application, and FSE compares what your business may qualify for across those partners, so you can weigh a Kabbage-style line against other lines of credit, term loans and asset-based options side by side on total cost, payment schedule and term.
- No fee to you. FSE never charges the business any fee; FSE is paid by commission from its funding partners.
- Minimums. At least 1 year in business and $10,000 or more in monthly revenue.
- No credit check to apply. FSE's application does not ask for your Social Security number and does not pull your credit. An individual lender may check credit later in its own process.
- No promises we cannot keep. Approval, amounts and terms are set by each lender, and no approval is guaranteed.
If your business meets those minimums, you can apply once with FSE and compare offers from multiple lenders.
Frequently asked questions
Is Kabbage still in business?
Not as a lender under its own name. American Express acquired most of Kabbage in 2020 and retired the brand in February 2023. Its lending continues as the American Express Business Line of Credit.
What replaced Kabbage?
The American Express Business Line of Credit, part of American Express Business Blueprint. kabbage.com now redirects there.
What is KServicing?
KServicing is the name used by Kabbage, Inc., the entity that kept Kabbage's PPP loan portfolio, which American Express did not buy. It filed for Chapter 11 in October 2022 to wind down that portfolio.
Do I need an American Express card to get the Amex Business Line of Credit?
An American Express card is not among the published requirements. The listed minimums are a business at least a year old, a 660+ FICO score and at least $3,000 in average monthly revenue.
What is the easiest Kabbage alternative to qualify for?
Among the lenders here, Credibly (500+ score, 6 months) and Fundbox (about 600, 3 months, per NerdWallet) publish the lowest minimums. Easier approval usually comes with a higher cost, so compare total payback before you accept.
Sources
- American Express Business Line of Credit (line sizes, fees, terms, requirements, issuer)
- Finovate, "American Express Retires the Kabbage Brand with the Launch of Business Blueprint" (February 1, 2023)
- ION Analytics, Kabbage Chapter 11 and the PPP portfolio left out of the Amex acquisition; Kabbage (Wikipedia) for founding dates
- Bluevine Line of Credit; OnDeck Line of Credit; Credibly; National Funding
- Fundbox terms: NerdWallet review (updated April 2026); U.S. Small Business Administration, 7(a) loans
Provider details were checked in November 2026 and change often; confirm current terms with each provider before you apply. Inclusion is not an endorsement and does not mean a provider is part of FSE's network. Brand names belong to their owners; FSE is not affiliated with them.
Part of our Business Lines of Credit guide.
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