# Kabbage Reviews **Vendor:** Kabbage **Category:** [Other Services Providers](https://www.g2.com/categories/other-services-a3556bb7-df48-4d51-af00-82ad0505f4c5) **Average Rating:** 1.8/5.0 **Total Reviews:** 5 ## About Kabbage Kabbage provides automated, online financing to small businesses. ## Kabbage Reviews ### 1. Front-Loaded Fees Undercut the “No Prepayment Penalty” Benefit **Rating:** 2.5/5.0 stars **Reviewed by:** Shubh G. | Go24, Small-Business (50 or fewer emp.) **Reviewed Date:** April 30, 2026 **What do you like best about Kabbage?** The "10-Minute" Approval What users like best is the automated underwriting engine. While traditional banks ask for years of tax returns and physical paperwork, Kabbage allows you to simply link your business bank account. Why it’s helpful: The system analyzes your real-time cash flow and provides a decision almost instantly. If you are in a "crunch" and need to know if you have funding right now, this is the most reliable tool for that answer. **What do you dislike about Kabbage?** The "Front-Loaded" Fee Structure This is the most significant downside. Amex uses a monthly fee model rather than a traditional daily interest (APR) model. The Problem: A large portion of your total loan fees is charged in the first few months of the term. The Downside: If you take a 6-month loan and pay it off in 2 months, you have already paid the majority of the total fees. In a traditional bank loan, an early payoff would save you significantly more money. This makes the "no prepayment penalty" claim feel a bit less beneficial in practice. **Recommendations to others considering Kabbage:** Use it for "Instant Opportunity," Not Long-Term Debt Because of the front-loaded fee structure—where most of the loan’s cost hits in the first few months—this is an expensive way to borrow money over a year. The strategy is to draw from the line only when you have a specific, high-ROI use for the cash, such as buying inventory at a massive discount or bridging a 30-day gap until a major invoice is paid. My advice is to avoid using this as permanent working capital. If you need financing for 2–3 years, a traditional bank loan or an SBA loan will likely be much cheaper. **What problems is Kabbage solving and how is that benefiting you?** Problem: Cash Flow "Blind Spots" Many business owners don’t know they are running out of money until it’s too late. They have to log into three different banks and a credit card portal just to see their balance. The Solution: It aggregates your Amex accounts and external bank accounts into a single "command center" with automated cash flow projections. The Benefit: You can anticipate "lows" (like a big tax bill or inventory purchase) before they happen, giving you time to react. ### 2. Liars and Thieves **Rating:** 0.0/5.0 stars **Reviewed by:** John B. | Mid-Market (51-1000 emp.) **Reviewed Date:** April 01, 2020 **Describe the project or task Kabbage helped with:** Liars and thieves. They will promise you a "revolving line of credit" for which I gladly paid a premium, then without notice today, even though I have been a great customer and made evrey payment, they CANCELLED MY REVOLING LINE, becuase they are "diligently helping small business". And Patty in customer service is the worst. I asked for her manager, and she laughed and put me on hold. DO NOT TRUST THEM> There are plenty of better options out there. **What do you like best about Kabbage?** That their name smells - especially when boiled **What do you dislike about Kabbage?** They contracted for a line of credit, funded a medical clinic last year, we have made every payment, and they cancelled the line "becuase of COVID" . Horrible people, should be punished and not allowed to practice lending. **Recommendations to others considering Kabbage:** DO NOT USE< SHOP ELSEWHERE FOR LINES OF CREDIT **What problems is Kabbage solving and how is that benefiting you?** I am solving thier reputation problem by publically posting about their true inentions and corruption. ### 3. Ok experience **Rating:** 3.0/5.0 stars **Reviewed by:** Verified User in Telecommunications | Small-Business (50 or fewer emp.) **Reviewed Date:** December 07, 2019 **Describe the project or task Kabbage helped with:** Business loan **What do you like best about Kabbage?** Simplicity with the smoothness of the app process **What do you dislike about Kabbage?** All the unnecessary questions,too intrusive **What problems is Kabbage solving and how is that benefiting you?** None ### 4. Predatory Lending - Stay Away **Rating:** 0.0/5.0 stars **Reviewed by:** Verified User in Wholesale | Small-Business (50 or fewer emp.) **Reviewed Date:** January 11, 2019 **Describe the project or task Kabbage helped with:** I got a loan from Kabbage because it was so much easier than applying with a bank. It is the biggest mistake I ever made. Their interest rates are so high taking out this loan ate up all of my profits and more. When I finally got it paid off I was in worse shape than I was when I took out the loan **What do you like best about Kabbage?** Nothing, Kabbage is a predatory lender. What they do to small businesses should be illegal. **What do you dislike about Kabbage?** EVERYTHING!!! They are predatory lenders. They charge advertise low interest rates, but that is their monthly interest rate, the actual APR wound up being over 100%! They also charge higher rates at the start of the loan so if you can manage to pay it off early it doesn't save you any money. They also made automatic withdrawals from my bank account, so I suppose I was avoided paying a few late fees, but also meant that I couldn't pay my suppliers on time. **Recommendations to others considering Kabbage:** Stay away. We finally paid off Kabbage 2 years ago, with our financials being a total mess. Since we have been utilizing invoice factoring and po financing and it has helped a lot in repairing relationships and growing our business. ### 5. Small Business Loan **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Information Technology and Services | Small-Business (50 or fewer emp.) **Reviewed Date:** April 03, 2018 **Describe the project or task Kabbage helped with:** I needed to remodel the store and kabbage provided me with a line of credit to do so. **What do you like best about Kabbage?** I like how easy it was to get a quote and to get access to funds. **What do you dislike about Kabbage?** I wish that the loan options were more flexible especially since I have evidently great credit. - [View Kabbage pricing details and edition comparison](https://www.g2.com/products/kabbage/reviews?section=pricing&secure%5Bexpires_at%5D=2026-05-15+12%3A50%3A42+-0500&secure%5Bsession_id%5D=d467f746-8576-49a2-9ee8-cca170289669&secure%5Btoken%5D=7b58d07eb463e149e76d03ce2490eb501ef11ecca2329f310d78d90422c3bc52&format=llm_user) ## Kabbage Features **Planning** - Needs Assessment - Resource Allocation - Stayed within Budget - Statement of Work - Best Practices **Delivery** - Technical Expertise - Met Deadlines - Meeting Management - Project Updates - Scope Management - Roll-out **Team Quality** - Change Management Skills - Executive Presence - Vertical Expertise - Technology Partnerships ## Top Kabbage Alternatives - [theorem](https://www.g2.com/products/theorem/reviews) - 4.7/5.0 (6 reviews) - [ComboFix](https://www.g2.com/products/combofix/reviews) - 5.0/5.0 (5 reviews) - [Stratusforce](https://www.g2.com/products/stratusforce/reviews) - 5.0/5.0 (3 reviews)