Kabbage is a well-known online lending brand (now part of American Express) offering lines of credit to small businesses. Here's a fair, side-by-side look so you can choose what actually fits your business.
| ShopFunders | Kabbage | |
|---|---|---|
| Funding model | Marketplace — we shop multiple funders for you | Online lending platform (now part of American Express) |
| Funding range | $10K – $2M working capital | Varies by product and qualification |
| Decision speed | Decision in 24 hours; funding in as little as 24–72 hours | Automated online decisions |
| Collateral / personal guarantee | Not required on core products | Typically unsecured lines with standard lien filings |
| Application process | 2-minute application + a few bank statements, guided by a specialist | Automated online application |
| Best for | Owners who want speed, options, and a real human to walk them through it | Small businesses comfortable inside a large bank-owned platform |
Kabbage is one platform with one credit box. We're a marketplace — one application gets shopped across multiple funders, so you compare real offers instead of taking a single answer.
When a single platform declines, you're done. When one funder in our network passes, we route your file to the next — newer or thinner-credit businesses often still get funded.
You work directly with a NYC-based funding specialist who knows your file by name. Decision in 24 hours, funding in as little as 24–72 hours, with no credit check to apply.
If you prefer a fully automated, self-serve line of credit from a large, bank-owned brand and you're comfortable inside an online platform, Kabbage is a reputable, widely-used option.
This comparison reflects publicly available information about Kabbage and general industry positioning as of 2026. Kabbage's products, rates, and requirements change — confirm current terms on Kabbage's official website. Kabbage is an independent company and is not affiliated with or endorsed by ShopFunders. All trademarks belong to their respective owners.
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Apply in about 2 minutes. No collateral. No credit impact to apply. One application, multiple funders.
Apply Now →$10K+/mo revenue · No collateral · Funds in 24–72 hrs