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Best Kabbage Competitors

If your small business is looking for comparable funding alternatives, these Kabbage competitors have similar offerings as newly rebranded American Express Business Blueprint.

    Jason Vissers
  • Last updated onUpdated

  • Chris Motola
  • REVIEWED BY

    Chris Motola

    Senior Staff Writer

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

Online lender Kabbage — now known as American Express Business Blueprint — offers revolving credit lines up to $250,000 for small business borrowers with personal FICO scores of 660+, at least one year of business history, and an average monthly revenue of $3,000+.

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. That’s why we’ve put together this list of top Kabbage competitors.

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  • Best Kabbage alternative for loan variety
  • Lines of credit, term loans, MCAs, and short-term loans available
  • No credit score requirement
  • Best Kabbage alternative for loan variety
  • Lines of credit, term loans, MCAs, and short-term loans available
  • No credit score requirement

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  • Best Kabbage alternative for comparing loan offers
  • Lines of credit, term loans, SBA loans, equipment financing, MCAs, short-term loans, and credit cards available
  • No credit score requirement
  • Best Kabbage alternative for comparing loan offers
  • Lines of credit, term loans, SBA loans, equipment financing, MCAs, short-term loans, and credit cards available
  • No credit score requirement

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  • Best Kabbage alternative for established businesses with lower credit scores
  • Lines of credit and term loans available
  • Credit score required: 625+
  • Best Kabbage alternative for established businesses with lower credit scores
  • Lines of credit and term loans available
  • Credit score required: 625+

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  • Best Kabbage alternative for longer repayment terms
  • Lines of credit, term loans, and SBA loans available
  • Credit score required: 660+
  • Best Kabbage alternative for longer repayment terms
  • Lines of credit, term loans, and SBA loans available
  • Credit score required: 660+

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  • Best Kabbage alternative for fast approvals
  • Lines of credit offered
  • Credit score required: 600+
  • Best Kabbage alternative for fast approvals
  • Lines of credit offered
  • Credit score required: 600+

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  • Best Kabbage alternative for quick funding
  • Lines of credit available
  • Credit score required: 625+
  • Best Kabbage alternative for quick funding
  • Lines of credit available
  • Credit score required: 625+

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  • Best Kabbage alternative for customizable loans
  • Short-term business loans available
  • Credit score required: 620+
  • Best Kabbage alternative for customizable loans
  • Short-term business loans available
  • Credit score required: 620+

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  • Best Kabbage alternative for underserved small businesses
  • Term loans available
  • Required credit score varies by location
  • Best Kabbage alternative for underserved small businesses
  • Term loans available
  • Required credit score varies by location

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Table of Contents

The 8 Best Kabbage Alternatives

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.

How The Best Kabbage Alternatives Compare

Types Of Business Loans Offered Max Borrowing Amount Minimum Credit Score
BusinessLoans.com Lines of credit, term loans, MCAs, short-term loans $3,000,000 No requirement
Lendio Lines of credit, term loans, SBA loans, equipment financing, MCAs, short-term loans $5,000,000 No requirement
OnDeck Lines of credit, term loans $250,000 625
Funding Circle Lines of credit, term loans, SBA loans $500,000 660
Fundbox Lines of credit $150,000 600
Bluevine Lines of credit $250,000 625
LoanBuilder Short-term loans $500,000 620
Accion Term loans $250,000 Low, varies by location

BusinessLoans.com: Best Kabbage Competitor For Loan Variety

BusinessLoans.com


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Pros

  • Funding up to $3 million available
  • No minimum credit score required
  • Excellent support and guidance for borrowers

Cons

  • Little rate or fee information provided
  • Funding can take a while to disburse

What Makes BusinessLoans.com Great For Loan Variety?

BusinessLoans.com is not a direct lender. It 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.

Free to use, BusinessLoans.com lets you receive multiple loan offers without undergoing a hard credit pull, and it does not require a minimum credit score. 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

Type Of Funding Lines of credit, term loans, MCAs, short-term loans
Borrowing Amount $5,000 to $3 million
Approval Time Up to a 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-$3,000,000
  • Term Length: 3 months to 5 years
  • Interest Rates: Not disclosed

BusinessLoans.com Eligibility Requirements

Each lender in BusinessLoans.com’s network has its own eligibility requirements.

Generally, you’ll need at least $100,000 in annual income and at least six 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.

When To Use BusinessLoans.com

  • 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

Get Started With BusinessLoans.com

Read our in-depth review

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Lendio: Best Kabbage Alternative For Comparing Loan Offers

Lendio


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Pros

  • Borrower qualifications are lower than banks
  • Multiple business financing types available
  • High borrowing amounts

Cons

  • Rates can be expensive

What Makes Lendio Great For Comparing Loan Offers?

Like BusinessLoans.com, Lendio is a business loan matchmaker, not a direct lender. 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.

Given these favorable terms, we had to include Lendio in this post.

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

Type Of Funding Lines of credit, term loans, SBA loans, equipment financing, MCAs, short-term loans
Borrowing Amount Up to $5 million
Approval Time 1-2 days for business lines of credit

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-$250,000
  • Term Length: 6-18 months
  • Interest Rates: 8-60%

Note that Lendio does not charge a fee for submitting an application.

Lendio now states that your time to funding for lines of credit will be 1-2 days. They had previously said to expect a 1-2 week wait for your line of credit to come through. Something has changed!

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.

In the past, Lendio has recommended that applicants have a credit score of at least 560. This was never a strict requirement, however.

When To Use Lendio

  • You want to fill out one application and receive multiple business loan offers for comparison purposes
  • You want a business line of credit that will disburse funds to you in 1-2 days

Get Started With Lendio

Read our in-depth review

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OnDeck: Best Kabbage Competitor For Established Businesses With Lower Credit Scores

OnDeck


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Pros

  • Borrower qualifications are lower than with banks
  • Lower costs for repeat customers
  • Funds are disbursed quickly

Cons

  • Financing isn’t available in some states
  • Rates can be expensive

What Makes OnDeck A Great Choice 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 funds hitting your bank account within a few business days in most cases. Given these facts, including OnDeck in this post was an easy decision.

How OnDeck Is Different From American Express Business Blueprint

Type Of Funding Term loans and lines of credit
Borrowing Amount Up to $250,000
APR 60.9% avg for term loans; 52.6% for LOCs

OnDeck currently has a special offer up on its website: Apply for and receive a loan through OnDeck.com by 12/31/2023, and you’ll get $300 cash back.

OnDeck Rates & Fees

Here are the stats concerning OnDeck’s lines of credit:

  • Borrowing Amount: $6,000-$100,000
  • Term Length: 12, 18, or 24 months
  • Interest Rates: Average rate for LOCs is 52.6%, according to OnDeck

Additionally, OnDeck charges a $20/month maintenance fee for its lines of credit.

Some applicants may qualify for same-day funding. Others will have to wait 2-3 business days.

OnDeck Eligibility Requirements

  • Time In Business: 1 year
  • Credit Score: 625
  • Business Revenue: $100,000/year

When To Use OnDeck

  • You have significant annual business revenue but an average credit score
  • You want a business loan from a lender offering a cash welcome bonus (few lenders do this)

Get Started With OnDeck

Read our in-depth review

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Funding Circle: Best Kabbage Competitor For Longer Repayment Terms

Funding Circle


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Pros

  • High borrowing amounts
  • Monthly repayments
  • No prepayment penalty

Cons

  • Borrower qualifications may be hard to meet
  • Financing isn’t available in some states

What Makes Funding Circle Great For Longer Repayment Terms?

Funding Circle is an Amex Business Blueprint/Kabbage alternative that offers a variety of financial products, including lines of credit, Small Business Administration (SBA) 7(a) loans, and term loans.

Depending on the product you select, you could receive as much as $500,000. In addition to higher borrowing limits and longer repayment terms, you may also score better rates than you'd find with American Express Business Blueprint.

How Funding Circle Is Different From American Express Business Blueprint

Type Of Funding Lines of credit, term loans, SBA loans
Borrowing Amount Up to $500,000
APR Starts at 8.75%

Funding Circle Rates & Fees

Here are the details on Funding Circle’s lines of credit:

  • Borrowing Amount: $5,000-$250,000
  • Term Length: Not specified
  • Interest Rates: Not specified

Funding Circle states that drawing from your credit line will incur an average draw fee of 1.6% and that late payments will incur an average fee of 5% of the past due amount.

If you’re approved for a term loan or line of credit, you should get funding in 2-3 days. SBA loans take longer to disburse.

Funding Circle’s term loans have term lengths from six months to seven years. Term lengths for LOCs are not disclosed.

Funding Circle Eligibility Requirements

  • Time In Business: 2 years
  • Credit Score: 660
  • Business Revenue: Not specified

When To Choose Funding Circle

  • You run a mature business, you have good credit, and you want an LOC with a competitive APR
  • You're looking for a reputable provider of SBA 7(a) loans

Get Started With Funding Circle

Read our in-depth review

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Fundbox: Best Kabbage Alternative For Fast Approvals

Fundbox


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Pros

  • Discounts for repaying early
  • Fast, easy application process
  • Funds are disbursed quickly

Cons

  • Rates can be expensive
  • Repayments are required frequently

What Makes Fundbox Great For Fast Approvals?

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

Type Of Funding Lines of credit
Personal Credit Score 600+
Borrowing Fee Starts at 4.66%

Fundbox Rates & Fees

Here are some details on Fundbox’s lines of credit:

  • Borrowing Amount: $1,000-$150,000
  • Term Length: 12 or 24 weeks
  • Interest Rate: Starts at 4.66%

Fundbox Eligibility Requirements

  • Time In Business: 6+ months
  • Credit Score: 600+
  • Business Revenue: $100,000/year

When To Use Fundbox

  • You want a line of credit quickly and you don't mind making weekly repayments

Get Started With Fundbox

Read our in-depth review

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Bluevine: Best Kabbage Alternative For Quick Funding

Bluevine


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Pros

  • Low credit score qualifications
  • The application is fast and easy
  • Funds get disbursed quickly

Cons

  • Financing isn’t available in some states
  • Repayments are required quickly

What Makes Bluevine Great For Quick Funding?

Bluevine is an American Express Business Blueprint competitor that offers lines of credit. 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

Type Of Funding Lines of credit
Borrowing Amount Up to $250,000
APR Starts at 6.2%

Bluevine Rates & Fees

Here are some details on Bluevine’s lines of credit:

  • Borrowing Amount: Up to $250,000
  • Term Length: 6 or 12 months
  • Interest Rate: Starts at 6.2%

Bluevine Eligibility Requirements

  • Time In Business: 24+ months
  • Credit Score: 625+
  • Business Revenue: $40K/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.

When To Use Bluevine

  • Your business is a corporation or LLC and you want funding in as little time as possible

Get Started With Bluevine

Read our in-depth review

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LoanBuilder: Best Kabbage Competitor For Customizable Loans

LoanBuilder


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Pros

  • Borrower qualifications are lower than banks
  • Funds get disbursed quickly
  • No extra fees

Cons

  • No discounts for early repayment
  • A blanket lien is required

What Makes LoanBuilder For 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 $500,000. 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

Type Of Funding Short-term loans
Borrowing Amount Up to $500,000
Time To Funding The next business day

LoanBuilder Rates & Fees

Here are the details regarding LoanBuilder’s loans:

  • Borrowing Amount: Up to $500,000
  • Term Length: 13 to 52 weeks
  • Interest Rate: One-time fee from 2.9% to 18.72% charged

LoanBuilder Eligibility Requirements

  • Time In Business: 9 months
  • Credit Score: 620+
  • Business Revenue: $42,000/year

When To Use LoanBuilder

  • You want a short-term business loan in which you can customize the term length

Get Started With LoanBuilder

Read our in-depth review

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Accion Opportunity Fund: Best Kabbage Competitor For Underserved Small Businesses

Accion


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Pros

  • Borrower qualifications are lower than banks
  • Monthly repayments
  • Customer service is helpful

Cons

  • Some additional fees charged
  • Rates can be expensive

What Makes Accion Opportunity Fund A Great Choice For Underserved Small Businesses?

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

Type Of Funding Term loans
Borrowing Amount $5K to $250K
APR Starts at 7.49%

Accion Rates & Fees

Here’s the skinny on Accion’s term loans:

  • Borrowing Amount: $5,000-$250,000
  • Term Length: 12, 24, 36, or 60 months
  • Interest Rate: 7.49% to 24.99%

Accion Eligibility Requirements

  • Time In Business: 12 months
  • Credit Score: Varies (low scores are generally accepted)
  • Business Revenue: $50,000/year

When To Use Accion

  • You are a female and/or POC business owner seeking a business loan that doesn't require a good credit score

Get Started With Accion

Read our in-depth review

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Our Methodology For Choosing Our Favorite American Express Business Blueprint/Kabbage Competitors

We at Merchant Maverick looked at dozens of lenders for this post, evaluating the types of business loans offered by each, along with the rates, fees, application process, time to funding, and eligibility requirements of every loan on offer. We wanted to highlight loan products that weren’t too dissimilar to those of Amex Business Blueprint, but which ranked favorably regarding the qualities listed above.

Learn more about our rating criteria for business loans.

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 loan seeker, but with the variety of options presented, there should be a few that fit your own 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 a number of lenders. Alternately, if you dccide to pursue an SBA loan, knowing who the best SBA lenders are will help you get started.

Finally, if you’re looking for tips on repaying your business loan, we can help with that as well.

FAQs About Kabbage Alternatives

Are Bluevine and Kabbage the same?

Bluevine and Kabbage aren’t the same company, but they do share many similarities. Both are online alternative lenders, both have easy application processes, and both have relaxed business loan requirements for borrowers, making it easier than ever for small businesses to get fast access to capital.

Furthermore, Kabbage was acquired by Amex and is now known as American Express Business Blueprint.

Is Kabbage lending right now?

Yes. American Express Business Blueprint (formerly Kabbage) is currently offering business lines of credit in amounts between $2,000 and $250,000.

Who owns Kabbage?

On October 16, 2020, Kabbage was acquired by American Express. In February 2023, Kabbage was rebranded as American Express Business Blueprint.

Is Biz2Credit and Kabbage the same company?

Biz2Credit and American Express Business Blueprint (formerly Kabbage) are not the same, although both are alternative lenders that provide funding to small businesses.

Biz2Credit provides funding through its subsidiary, Itria Ventures LLC. If Biz2Credit is unable to approve your application, you may be able to get funding through one of its third-party lending partners.

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Jason Vissers

Jason Vissers

Senior Staff Writer at Merchant Maverick
Jason has been writing about small business software platforms, services, and financing since 2015. Jason’s expertise has been featured in Yahoo Finance, Time/NextAdvisor, Home Business Magazine, CreditCards.com, GoBankingRates, TheLadders.com, and other publications. He has a bachelor’s degree in Political Science from San Diego State University and currently lives in Philadelphia, Pennsylvania.
Jason Vissers
View Jason Vissers's professional experience on LinkedIn.

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