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If your small business is looking for comparable funding alternatives, these Kabbage competitors have similar offerings as newly rebranded American Express Business Blueprint.
Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
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Erica SeppalaErica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
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Chelsea Krause is a writer who specializes in accounting, payroll, and small business loans. She has been helping small business owners manage their finances since 2016. She is a QuickBooks Certified User and former eCommerce store owner. Her accounting expertise has been quoted in Forbes and her work appears in Startup Nation, Small Business Bonfire, and Women on Business. Chelsea graduated summa cum laude with a BA in English & Creative Writing from George Fox University and studied abroad at the University of Oxford as well.
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Chelsea KrauseChelsea Krause is a writer who specializes in accounting, payroll, and small business loans. She has been helping small business owners manage their finances since 2016. She is a QuickBooks Certified User and former eCommerce store owner. Her accounting expertise has been quoted in Forbes and her work appears in Startup Nation, Small Business Bonfire, and Women on Business. Chelsea graduated summa cum laude with a BA in English & Creative Writing from George Fox University and studied abroad at the University of Oxford as well.
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Our content reflects the editorial opinions of our experts. While our site makes money through referral partnerships, we only partner with companies that meet our standards for quality, as outlined in our independent rating and scoring system.
Online lender Kabbage — now known as American Express Business Blueprint — offers revolving credit lines up to $250,000 for small business borrowers.
With a low barrier to entry and lines of credit that offer funding flexibility, Kabbage/Amex’s Business Line Of Credit is one of the top small business loans on the market. However, borrowing costs are relatively high, and the fees are front-loaded, so you save little money by repaying early. For your small business funding needs, one of these Kabbage alternatives may be a better fit.
If you’re looking for Amex Business Blueprint (formerly Kabbage) alternatives, we’ve assembled this list of our preferred picks. Whether you’re looking for lower rates, longer terms, or more flexible requirements, these lenders make it easy to get the right small business loan or business line of credit.
BusinessLoans.com is a business loan matchmaking service that connects you to a wide variety of loan offers from among the company's partner lenders, as opposed to Amex Business Blueprint, which only offers a single loan product.
BusinessLoans.com is free to use and lets you receive multiple loan offers without undergoing a hard credit pull. There are no minimum credit score requirements -- if you have poor credit, the company may still find lenders willing to work with you.
BusinessLoans.com is new to the alternative lending scene, but it has already impressed borrowers, judging by comments left on business review sites. It also offers personalized help should you want something other than what its algorithm offers you.
How BusinessLoans.com Differs From Amex Business Blueprint
While Amex Business Blueprint only offers business lines of credit, BusinessLoans.com offers LOCs, term loans, merchant cash advances, and short-term loans.
Funding is available from $5,000 – $3 million, with approvals generally given within one week.
BusinessLoans.com Rates & Fees
It’s free to apply to receive loan offers through BusinessLoans.com. As for specific rates and fees, BusinessLoans.com does not offer any specifics regarding its lines of credit, though it does offer a few general guidelines regarding its partner lending products.
Borrowing Amount:$5,000 – $3 million
Term Length:3 months – 5 years
Interest Rates:Undisclosed
BusinessLoans.com Eligibility Requirements
Each lender in BusinessLoans.com’s network has its own eligibility requirements.
Generally, you’ll need at least $100,000/year in income and at least 6 months in business to qualify for a loan through BusinessLoans.com, but the company will still try to find an appropriate loan product for you even if you don’t meet these benchmarks.
Choose BusinessLoans.com If...
You want to receive loan offers from multiple lenders by filling out just one application
You have fair or poor credit and you want to connect to business lenders who may be willing to lend to you
Like BusinessLoans.com, Lendio is a business loan matchmaker. Lendio shops your loan request to over 75 lending partners. Within 72 hours, you may receive offers for many types of business funding, from flexible lines of credit to equipment financing. Applying is free, and there's no obligation to accept an offer.
Because Lendio works with multiple partners, you may find funding even if you face lending challenges such as a low credit score, a short time in business, or low revenues. Also, we appreciate that Lendio offers more details regarding its partner loan products than does BusinessLoans.com
How Lendio Is Different From American Express Business Blueprint
Lendio offers more than just lines of credit by also providing borrowers with access to term loans, merchant cash advances, short-term loans, SBA loans, and equipment financing.
Lendio also has high borrowing limits up to $5 million for some of its products. While some funding products may take a while to disburse (we’re looking at you, SBA loans), you can generally receive approval for a line of credit comparable to Amex Business Blueprint in just one to two days. Some lenders even offer same-day funding.
Lendio Rates & Fees
With the wide variety of loan types on offer from Lendio’s numerous partner lenders, there is no single set of rates that Lendio borrowers will pay. However, regarding Lendio’s lines of credit (the most relevant point of comparison to Kabbage/Amex Business Blueprint), here are some general guidelines:
Borrowing Amount: $1,000 – $500,000
Term Length: 6 – 24 months
Interest Rates: 8 – 60%
Note that Lendio does not charge a fee for submitting an application.
Lendio Eligibility Requirements
Lendio works with over 75 partner lenders, ranging from startup business lenders to banks and SBA lenders. Accordingly, your business does not have to meet any specific eligibility requirements to qualify for this service.
For business lines of credit, most of Lendio’s partner lenders require a minimum credit score of 600. However, other options may be available if you don’t meet this minimum requirement.
Choose Lendio If...
You want to fill out one application and receive multiple business loan offers to compare
You want a business line of credit that will disburse funds to you in 1-2 days
Why We Chose OnDeck For Established Businesses With Lower Credit Scores
OnDeck is an Amex Business Blueprint/Kabbage alternative that offers two types of funding: lines of credit up to $100,000 and term loans up to $250,000. As long as you meet the time in business and revenue requirements, you could qualify for an OnDeck loan or line of credit with a credit score as low as 625.
Similar to Amex Business Blueprint, OnDeck also offers fast application approvals and funding, with same-day funding available for some borrowers. Given these facts, including OnDeck in this list was an easy decision.
How OnDeck Is Different From American Express Business Blueprint
In addition to LOCs similar to Amex Business Blueprint/Kabbage, OnDeck also offers term loans. Lines of credit are only available up to $100,000 from OnDeck, which falls short of Amex’s $250K limit.
However, borrowers can receive up to $250,000 with OnDeck’s term loans.
OnDeck Rates & Fees
Here are the stats concerning OnDeck’s lines of credit:
Borrowing Amount:$5,000 – $250,000
Term Length:12 – 24 months
Interest Rates: Start at 29.9%
Some applicants may qualify for same-day funding. Others will have to wait 2-3 business days.
OnDeck Eligibility Requirements
Time In Business:12 months
Credit Score:625
Business Revenue:$100,000/year
Choose OnDeck If...
You have significant annual business revenue but an average credit score
Fundbox is an Amex Business Blueprint alternative that offers easy approvals and quick turnaround times for its lines of credit, making it ideal for businesses that need fast access to capital.
The process is fully automated, so you can get approved for a line of credit of up to $150,000 in as little as three minutes. Terms are short, though -- the maximum term is just 24 weeks. Payments must be made weekly.
Similar to Amex Business Blueprint/Kabbage, Fundbox has relaxed borrower requirements, making it easier for new businesses and applicants with subprime credit scores to get funded.
How Fundbox Is Different From American Express Business Blueprint
Fundbox has lower borrowing requirements than Amex, only requiring borrowers to have a credit score of 600. Otherwise, its business lines of credit are very similar to Amex’s product.
Fundbox Rates & Fees
Here are some details on Fundbox’s lines of credit:
Borrowing Amount:$100 – $150,000
Term Length:12 or 24 weeks
Interest Rate: Starts at 4.66%
Fundbox Eligibility Requirements
Time In Business:3 months
Credit Score:600
Business Revenue:$30,000/year
Choose Fundbox If...
You want a line of credit quickly and you don’t mind making weekly repayments
You have a credit score of 600 and are having difficulties qualifying for funding elsewhere
Bluevine is an American Express Business Blueprint competitor that offers lines of credit and term loans. In addition to having rates similar to Amex's Business Lines Of Credit, what stands out about Bluevine is its fast turnaround times for funding.
In most cases, you can have funds in as little as 24 hours. If you want your funds in just a few hours, Bluevine offers a wire transfer option for an extra $15. With this kind of speed, including Bluevine in our list of top Amex Business Blueprint competitors was the obvious move.
How Bluevine Is Different From American Express Business Blueprint
There are few differences between Bluevine and American Express Business Blueprint. Both offer lines of credit up to $250,000. However, Amex does have a slight edge as it has repayment terms up to 24 months compared to Bluevine’s terms of 6 months or 12 months.
Borrowers that would rather receive a lump sum can apply for a Bluevine term loan up to $250,000 with repayment terms up to 24 months. American Express Business Blueprint does not offer a comparable term loan.
Bluevine Rates & Fees
Here are some details on Bluevine’s lines of credit:
Borrowing Amount: Up to $250,000
Term Length:6 months or 12 months
Interest Rate: Starts at 7.8%
Bluevine Eligibility Requirements
Time In Business:2 years
Credit Score:625
Business Revenue:$10,000/month
Bluevine states that it does not offer lines of credit in Nevada, North Dakota, or South Dakota. Also, sole proprietorships and general partnerships do not qualify for Bluevine funding.
Choose Bluevine If...
Your business is a corporation or LLC and you want funding as quickly as possible
You want to choose between a line of credit of term loan
Why We Chose LoanBuilder For Best Customizable Loans
LoanBuilder is a Kabbage alternative that offers an easy application, fast approvals, and relaxed credit requirements, similar to its competitor.
However, LoanBuilder does not offer a line of credit. Instead, you can receive a customizable short-term loan. Choose from terms of up to 52 weeks and receive a loan of up to $150,000(capped at $100,000 for first-time borrowers). If preapproved, you can adjust the term and borrowing amount to best fit the needs of your business.
Get final approval, and you can get your business funds by the next business day.
How LoanBuilder Is Different From American Express Business Blueprint
Instead of business lines of credit, LoanBuilder offers short-term loans.
LoanBuilder Rates & Fees
Here are the details regarding LoanBuilder’s loans:
Borrowing Amount: Up to $150,000($100,000 for first-time borrowers)
Term Length:17 – 52 weeks
Interest Rate: One-time fee from 2.9% – 18.72% charged
LoanBuilder Eligibility Requirements
Time In Business:9 months
Credit Score:Undisclosed
Business Revenue:$33,300
While the minimum credit score requirements were previously 620, LoanBuilder no longer discloses a minimum score.
Choose LoanBuilder If...
You want a short-term business loan in which you can customize the term length
Accion Opportunity Fund is a Kabbage competitor that specifically targets underserved businesses, including those owned by women and minorities. However, anyone can apply for Accion's small business loans, provided they meet credit, revenue, and time in business requirements.
Being a nonprofit, Accion's requirements are far lower than banks, and even startups or business owners with lower credit scores may qualify for funding. While the application and approval process are quite extensive, the lower rates and longer repayment terms are a good trade-off.
How Accion Is Different From Amex Business Blueprint
While Accion does not offer lines of credit like Business Blueprint, it does provide term loans that are accessible to underserved borrowers.
Accion Rates & Fees
Here’s the skinny on Accion’s term loans:
Borrowing Amount:$5,000 – $250,000
Term Length:12 – 60 months
Interest Rate:8.49% – 24.99%
Accion Eligibility Requirements
Time In Business:12 months
Credit Score:600
Business Revenue:$50,000/year
Choose Accion If...
You are a female and/or POC business owner seeking a business loan that doesn’t require a good credit score
Business Loan & Funding Products Review Methodology
We spend hours researching and evaluating each business loan and funding product that we review at Merchant Maverick, placing special emphasis on key characteristics to generate our ratings.
Weighted Rating Breakdown
Rates & Fees 20%
Services 20%
Eligibility Requirements 20%
Application 15%
Sales & Advertising Transparency 10%
Customer Service 10%
User Reviews 5%
When rating lenders and funding providers, we use a 31-point rubric that looks at rates and fees, services, eligibility requirements, application, sales and advertising transparency, customer service, and user reviews. We weigh each section differently to calculate the total star rating. This rubric is applied to traditional term loans, as well as short-term loans, start-up loans, lines of credit, online lending products, merchant cash advances, and equipment financing products.
Rates & Fees: 20% of the total star rating
Services: 20% of the total star rating
Eligibility Requirements: 20% of the total star rating
Application: 15% of the total star rating
Sales & Advertising Transparency: 10% of the total star rating
Customer Support: 5% of the total star rating
User Reviews: 5% of the total star rating
Each section is further broken down into granular, weighted subsections, in which we examine specific attributes like terms lengths, conditions of repayment, credit score and revenue requirements, ease of application, length of time to funding, the ethics involved in promoting the lending product, customer support, and the overall reputation of the lender or funding provider.
The Bottom Line On The Best American Express Business Blueprint Competitors (a.k.a. Kabbage Alternatives)
We hope this rundown of our top Amex Business Line Of Credit competitors has helped you in your search for business funding. None of these lenders will suit every business owner, but with the variety of options presented, there should be a few that fit your unique business circumstances.
It’s not easy to get a business loan, but it’s worth it to keep applying. If you’ve never taken out a business loan before, learning how small business loans work can help you understand which type of loan to pursue in the first place. If you have a comprehensive understanding of how to get a small business loan, the application process will be that much easier.
If you don’t succeed on your first try, don’t fret! If your credit score is holding you back, business loans for bad credit are offered by numerous lenders. If you have good credit and wish to pursue an SBA loan, knowing the best SBA lenders will help you get started.
Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
View Erica Seppala's professional experience on LinkedIn.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
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