How Kabbage Loans Work

NFIB has teamed up with Kabbage to offer our members a simple, modern way for small businesses to access funding with the flexibility they need.

Through their safe and secure online application or mobile app, businesses can link their latest information to be approved right away for lines of credit of up to $250,000.1

Kabbage small business loans have simple, 6-,12-, or 18-month payment termsand you can withdraw funds whenever3 you need extra capital. You can even review your payment schedule before taking a loan, to avoid surprises.

How a Kabbage line of credit works

  1. Apply online: Enter basic details and link your business information online or through our mobile app.
  1. Get a quick decision2: Kabbage will review your business performance to let you know how much working capital you can access.
  1. Start using your funds: Access what you need through your computer, the mobile app or the Kabbage Card4.

Kabbage is a better way to fund your business:

Secure: Kabbage’s systems were developed using advanced encryption to protect user data — earning them an A+ from the Better Business Bureau and privacy certification along the way.

Quick: Whether you’re applying for financing, setting up payment processing or pulling financial reports, their automated technology ensures you have what you need right away1.

Flexible: Since Kabbage uses technology to review businesses, you can apply anywhere — from your phones or computers — on your time. Access funds through your computer, phone or the Kabbage Card3 to withdraw what you need without waiting.

Revolving line of credit: Unlike a traditional term loan, Kabbage offers a reusable, dynamic line of credit up to $250,0001 that can be used as often as your business needs.


Minimum sales of $50,000 a year required and
must be in business for a minimum of 1 year5.

1Credit lines and pricing are subject to periodic review and change, including line and pricing reductions, line and pricing increases, or line eliminations. Individual requests for capital are separate installment loans. All loans are subject to credit approval. Frequently Asked Questions. All Kabbage business loans are issued by Celtic Bank, a Utah-chartered Industrial Bank, Member FDIC.
2Kabbage can approve you in minutes for up to $200,000 when they able to automatically obtain your business data and verify your bank account. Lines of credit over $200,000 require a manual review. In some situations, errors may occur during the sign up process, or they may need to send micro-deposits to confirm your bank account for security purposes. If this is the case, it may take up to several days to provide you with access to funding.
3After you apply, Kabbage will inform you if the loan you are requesting qualifies for a six-month term, or a six-month term and a 12- or 18-month term. Eligibility for 12- and 18-month loan terms is subject to availability and can change based on underwriting criteria.
4The Kabbage Card is issued by Republic Bank & Trust Company, member FDIC, pursuant to license by Visa U.S.A., Inc. See the Cardholder Agreement for Terms & Conditions including fee schedule details. See FAQs on reverse for more information on the Kabbage Card.
5This is not a guarantee of qualification, but rather the minimum qualification criteria.

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