The 5 Best Kabbage Alternatives

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Kabbage (see our review) is an online lender known for its extremely quick application process and convenient loan products. The lender’s always-accessible online interface and low barrier to entry mean that Kabbage is often a favorite for businesses that are not interested in (or not qualified for) more traditional business funding. Plus, Kabbage’s line of credit-style loans grant borrowers more flexibility in how they use their funds and how much they can borrow at any given time.

However, Kabbage also has some pretty critical downsides. For one, the product can be expensive; interest rates and APRs are higher than those of most comparable products, and the fees are front-loaded, so there’s very little chance of saving money by repaying early. Check out our full review of Kabbage for more details about the pros and cons of this lender.

In the meantime, it doesn’t hurt to check out your alternatives, whether you’re looking to make some comparisons with other lenders, want to move on from Kabbage, or have some other reason. Plenty of other lenders offer similar financial products.

The companies listed below all offer a line of credit similar to Kabbage’s loan. They are more-or-less organized according to ease of qualification, from simplest to most difficult. But keep this in mind: in general, the easier it is to qualify for a loan, the more expensive the interest rates and fees.


Much like Kabbage, Fundbox (read our review) is an online lender that offers fast, automated application processes. Originally, Fundbox offered financing on unpaid invoices, but the lender now offers lines of credit in addition to that service.

Borrower Requirements:
• No revenue or time in business requirements, but must use compatible accounting or invoicing software for at least 3 months, or a compatible business bank account for at least 6 months.
• No credit score requirements.
Visit the Fundbox website
Read our Fundbox review

Fundbox is even easier to qualify for than Kabbage. All you have to do to qualify is have a compatible business bank account for at least six months or compatible accounting/invoicing software for at least three. Fundbox does not require your business to make a certain amount of money, and in most cases, the lender doesn’t even check your credit score.

To check your eligibility, you just need to create an account, answer a few questions, and give Fundbox read-only access to your accounts. The application is automated, so you can typically find out your eligibility and rates within a few minutes.

In other words, if you have a young business and don’t qualify for other lenders, Fundbox is definitely worth checking out. As you might expect, this lender tends to offer lower credit facilities and have higher fees than some other lenders, so it won’t work for all businesses. Nonetheless, it’s worth checking out if you own the right type of business.

Check out our full Fundbox Review for more information or head over to the Fundbox website using the link above.


BlueVine (see our review) is known for invoice factoring, but it offers lines of credit as well. While only B2B businesses that invoice their customers will be eligible for invoice factoring, both B2B and B2C businesses are eligible for lines of credit. The following are BlueVine’s line of credit requirements:

bluevine logo
Line Of Credit Borrower Requirements:
• Must be in business at least 6 months with a revenue of $120,000 per year.
• Must have a personal credit score of 600 or above.
• Lines of credit are not available in all states. See full review for details.
Visit the BlueVine website
Read our BlueVine review

BlueVine has relatively low borrower requirements, so many businesses will qualify for a line of credit from this lender even if they don’t qualify for others on the list. Currently, however, BlueVine is not able to offer lines of credit to businesses in some states, so you’ll need to confirm that your state isn’t on that list before getting too excited.

With APRs that currently range from about 15% to 78%, BlueVine tends to have rates similar to or slightly better than Kabbage.

It’s hard for any lender to compete with the speed and ease of Kabbage’s application and funding process (which usually only takes a few minutes). Still, BlueVine comes close; typically, the time to funding is around 24 hours, which makes it one of the fastest funders outside of Kabbage or Fundbox.

For more information, check out our full BlueVine Review or head over to the website using the link above.


StreetShares (see our review) offers term loans, lines of credit, and most recently, contract financing (a non-loan service similar to invoice factoring). For their term loans and lines of credit, businesses can borrow up to 20% of their annual revenue, with a limit of $100,000.

Here’s what you’ll need to qualify for a StreetShares line of credit:

Borrower Requirements:
• Must be in business at least 12 months with a revenue of $25,000 per year (sometimes StreetShares will make exceptions for high-earning businesses at least 6 months old).
• Must have a personal credit score of 620 or above.
Visit the StreetShares website
Read our StreetShares review

If you’ve been in business at least 12 months and have at least fair credit, StreetShares is definitely a lender worth considering. With three different products available, StreetShares can accommodate most business situations. And with APRs that range from 7% to 39.99% for both loan options, StreetShares rates tend to be lower than those of many other lenders on this list, despite the low bar to entry.

The initial application and setup process may take a little longer than it does with Kabbage, but is generally completed in less than a week. Check out our StreetShares Review or head over to the website for the full story on this lender.


OnDeck (see our review) provides lines of credit and term loans; borrowers may be eligible for one or both of these products. For the lines of credit, businesses might be eligible for credit facilities up to $100,000. For the term loans, businesses may be eligible for up to $500,000.

Borrower Requirements:
• Must be in business at least 12 months with a revenue of $100,000 per year.
• Must have a personal credit score of 500 or above.
• Must not be in one of OnDeck’s restricted industries.
Visit the OnDeck website
Read our OnDeck review

OnDeck might be the right lender for you if you have an established business but don’t have a great credit score. As long as you meet the time in business and revenue requirements, OnDeck might be able to lend to you even if your credit score is as low as 500. With lines of credit and term loans available, OnDeck can meet the needs of many businesses.

Like Kabbage, OnDeck is sometimes criticized for high borrowing fees. But while the rate of borrowing can be high for their term loans, the lines of credit have very competitive rates. Qualified applicants will receive a rate that is between 11% and 39.9%, which is competitive with StreetShares and lower than the range of borrowing for Kabbage.

OnDeck is known for its extremely fast turnaround time—the application process generally takes less than 24 hours, plus a couple business days for the funds to hit your bank account.

For more information, read our full OnDeck Review or head to the website via the link above.


Fundation (see our review) recently started offering lines of credit in addition to its business term loans. Like most of the lenders on this list, Fundation’s lines of credit max out at $100,000. The term loans have a maximum of $500,000.

fundation logo
Borrower Requirements:
• Must be in business at least 12 months with a revenue of $100,000 per year.
• Must have a personal credit score of 600 or above.
• Must have at least three full-time employees (including yourself).
Visit the Fundation website
Read our Fundation review

Fundation is the most difficult lender on this list to qualify for. If you do qualify, however, you’ll benefit from lower rates and fees than you’d be able to find elsewhere. With APRs that range from 7.99% to 29.99% for both term loans and lines of credit, Fundation’s rates tend to be lower than Kabbage’s, and a little better than most of the other lenders listed here.

Fundation’s application process takes a little longer than that of others on this list, but it’s still very quick. In general, the time from application to funding takes less than a week.

With relatively low rates, a fast application, and quality customer service, Fundation is one of the few lenders to receive a 5-star rating on Merchant Maverick. Check out our full Fundation Review or the website for more information.

Final Thoughts

Most lenders on this list offer term loans in addition to lines of credit. Lenders might offer one or both of these products depending on your business needs. To learn more about how each works and what they’re typically used for, check out our articles on lines of credit and term loans.

Your Kabbage alternative of choice will depend significantly on how established your business is, how quickly you need funding, what your credit score is, and more. Hopefully, the information about these five lenders will start you off on the right foot, but if you didn’t find anything that suits your fancy, your next stop might be our small business loan comparison page.

Have you found a quality alternative to Kabbage that isn’t listed above? Leave a message in the comments!

Bianca Crouse

Bianca Crouse

Bianca is a writer from the Pacific Northwest. As a product of the digital age, she likes absorbing large amounts of information and figures she might as well pass it on. When not staring at a screen, she is probably foraging for food outside, playing board games, or harassing somebody with theories about that movie she just watched.
Bianca Crouse
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