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Kabbage Review

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Reviews 6,761

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Caroline Banton
Caroline Benton
Jul. 17, 20224 min read

Kabbage summary

Kabbage, an American Express Company, offers credit lines to businesses that need help covering expenses. Once approved, borrowers have access to funds and can draw on the approved amount at will. Kabbage lays out clear terms, and there are no hidden fees. Loans are structured as credit lines, and Kabbage ensures access to funds. In addition, for a limited time only, you may be eligible to earn $200.*

Pros

  • No prepayment penalties
  • Range of repayment options, no hidden fees

Cons

  • Interest rates tend to be high
Kabbageat a glance
4.8

Editorial score

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender, wide range of hours

5.0

Variety of loan types

Offers all loan types

5.0

Loan amount range

Loan amount up to $250K

4.0

Eligibility

Loans available to most credit types, revenue levels, and businesses

5.0

Kabbage Kabbage View Rates

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

What Kabbage Offers

  • Lines of credit up to $250,000
  • Loan terms and fees: 2-9% for 6-month loans, 4.5-18% for 12-month loans, 6.75-27% for 18-month loans
  • Unsecured loans approved in minutes. 
  • No up-front fee
  • Fees charged only on outstanding balances
  • No prepayment penalties
  • Withdrawing and depositing cash is free at any of the ATMs in the network
  • For a limited time only, you may be eligible to earn $200*

Why Choose Kabbage?

Kabbage provides close to immediate credit lines to cover any type of expense. Once approved, you are notified of how much credit you have and which of their three loan terms you qualify for. You will have access to funds and can draw on the approved amount anytime you need extra cash for your business.

Minimum Qualifications

Loan application with a bank or credit union is time-consuming. Kabbage, on the other hand, has only a few requirements for business owners seeking funding:

  • You must be in business for at least one year.
  • Monthly revenue must be at least $3,000
  • You must have a credit score of at least 640
  • You must be at least 18 years old.
  • All applicants must be U.S. citizens.

What You Need to Provide

Kabbage asks for the following basic information during the application process:

  • Your name
  • Your business name
  • Home and business address
  • Business tax ID
  • Social Security number


You’ll also be asked to create login credentials and to connect your bank account. Kabbage provides the opportunity to connect additional business accounts, such as QuickBooks, eBay, Amazon, PayPal, and Stripe. Linking multiple services gives Kabbage a better picture of your current financial status.

Unlike most traditional lenders, Kabbage considers multiple factors when determining whether or not to extend a line of credit. In addition to your credit score, the lender looks at:

  • How long you’ve been in business
  • Your average monthly revenue
  • Revenue consistency
  • Cash flow
  • Transaction volume
  • Seller rating, if applicable


Kabbage will verify your business account information and perform a hard credit check to determine your credit score.

Kabbage Application Process 

  1. After submitting your application, it is reviewed by an automated system that calculates your loan amount and the term. 
  2. If approved, you'll know in minutes how much funding you qualify for. 
  3. If your current financial situation does not allow your business to qualify for a Kabbage loan, the company keeps your information on file and reviews periodically. You do not have to reapply in the future as Kabbage will notify you when funding becomes available. 


The same process may increase your credit line as your business grows. To qualify for a Kabbage loan and maintain an active profile, all information you submit must be accurate to the best of your knowledge. Kabbage requires users to maintain the accuracy of their information and reserves the right to close accounts otherwise.

Repayment Terms

Kabbage offers 6-month, 12-month, and 18-month loan terms. The total monthly fees incurred over the loan term range from 2-9% for 6-month loans, 4.5-18% for 12-month loans, 6.75-27% for 18-month loans, and are subject to change for future loans drawn under the available line of credit. Loans incur a loan fee for each month you have an outstanding balance. Not all customers will be eligible for the lowest fee.

Deposits

If your checking account is online, you can make a mobile deposit of eligible checks through the Kabbage mobile app, transfer money from another bank, or make cash deposits at one of thousands of in-network ATMs nationwide.

How Safe Is It?

Kabbage is certified for customer privacy. Your login information is never shared, and the company does not sell customer data to third parties. Kabbage is backed by American Express, and offers the privacy policy of American Express Kabbage Inc. on their website.

Help & Support 

Kabbage offers extensive resources covering the most critical aspects of running a business. Kabbage’s FAQ section provides answers to common questions on the loan process and service features. 

You can contact Kabbage via phone or email. Hours are from Monday-Friday 8am-9pm (EST). Emails are delivered through the website or directly to support, and messages are typically answered within 24 hours.

Summary

Kabbage, an American Express Company, is a useful lending option for the modern small business. The automated review and approval process simplifies the loan application process giving you time to focus on running your company. The requirements are straightforward, and Kabbage considers factors other than your credit score when determining whether your business qualifies. The terms and fee structure are easy to understand, and there are no hidden fees. All loans are structured as credit lines. That way, you can withdraw money as needed, and you only have payments if you have an outstanding balance.  

Multiple withdrawal methods and an automatic payment system make Kabbage preferable for on-the-go business owners. You have access to cash wherever and whenever you need it so that your business can continue to operate uninterrupted if cash flow slows. 

Kabbage Kabbage View Rates

Physical Address

Kabbage

925B Peachtree Street NE

Suite 1688

Atlanta, GA 30309

Disclaimers

* To be eligible for this limited time offer, apply and get approved for a Kabbage Funding line of credit between 6/27/2022 and 9/30/2022 at 11:59pm ET. Then, add and verify your Funding primary account on or before 9/30/2022, and Kabbage will deposit $200 into it.

This offer is provided by Kabbage from American Express (“we”, “us” or “our”). Kabbage Funding™ loans are issued by American Express National Bank (AENB). To be eligible to earn the $200 associated with this offer, you must 1) apply and be approved for a Kabbage Funding line of credit between 6/27/2022 and 9/30/2022 at 11:59 pm ET and 2) add and verify your designated business bank account (hereafter defined as “Funding primary account”) on or before 9/30/2022 at 11:59 pm ET. AENB will deposit $200 into the Funding primary account you’ve successfully linked to Kabbage Funding within 30 calendar days from the date the account is verified. Limit one offer per new Kabbage Funding account. This offer (i) is not available to existing Kabbage Funding customers, (ii) is non-transferable, and (iii) cannot be combined with any other offer except as permitted by American Express. We reserve the right to modify or revoke this offer at any time. You may not receive the offer, if we determine in our sole discretion that your account is not in good standing, has a disconnected bank account, and/or you have engaged in abuse, misuse, fraudulent activity, or gaming in connection with the offer in any way or that you intend to do so. We may also cancel your Kabbage Funding account and other accounts you may have with us. The offer may be taxable income to you and may be reported on IRS Form 1099. You are responsible for any federal or state taxes resulting from the offer. Please consult your tax advisor if you have questions about the tax treatment of the offer. If you have any questions regarding this offer, please call 1 888-986-8263 Monday-Friday 8 A.M. to 9 P.M. ET.

** If eligible, you can be approved in minutes for a line of credit from $2,000 to $250,000 when we are able to automatically obtain your business data and verify your bank account. If a manual review is required, it will take longer to provide you with a decision. Kabbage Funding™ offers access to a commercial line of credit between $2,000 to $250,000. Each draw on the line of credit will result in a separate installment loan. All loans are subject to credit approval and are secured by business assets. Every loan requires a personal guarantee. Monthly fees range from 2-9% for 6-month loans, 4.5-18% for 12-month loans, 6.75-27% for 18-month loans, and are subject to change for future loans drawn under the available line of credit. Not all customers will be eligible for the lowest fee. Not all loan term lengths are available to all customers. Eligibility is based on creditworthiness and other factors. Not all industries are eligible for Kabbage Funding. Pricing and line of credit decisions are based on the overall financial profile of you and your business, including history with American Express and other financial institutions, credit history, and other factors. Lines of credit are subject to periodic review and may change or be suspended, accompanied with or without an account closure. Late fees and return payment fees may be assessed. Loans are issued by American Express National Bank. Kabbage Funding™ is a trademark of American Express.

 



Caroline Banton
Written byCaroline Benton

Caroline Banton is a freelance writer of business and finance articles that have been featured in The Huffington Post, The Motley Fool, Time, MSN, PYMNTS.com, GOBankingrates.com, SaleMove, and MyBankTracker.com. Before becoming a writer, Caroline had over fourteen years of experience working at the World Bank. Caroline has an MBA from Johns Hopkins University. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Kabbage
Kabbage
AverageReviews 6,761
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Trustpilot reviews

See what some costumers are saying about Kabbage
Kabbage
AverageReviews 6,761
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Excellent
82%
Great
9%
Average
3%
Poor
1%
Bad
5%
  • author
    JUSTICE NDUBUISI
    Jul 27, 2022
    Please I need help to study in USA

    Please, I need kabbage company to help me fund my education under scholarship in USA, please any university in USA, I will pay back through my internship, my number, +2348103981950 My name, Justice Ndubuisi

    ...

  • author
    Charles
    a day ago
    Frustrating and unreliable

    Their customer service is all overseas and incompetent. The app wouldn't accept a $27k government check deposit and after a week of calling and being told it's a technical error they finally told me their third party fraud detection has determined it's a fraudulent check. Not sure why they determined it's now fraudulent when they accepted a check from the same customer months prior. Now I've had to request a replacement check from my customer and open another bank account elsewhere since the check is endorsed to deposit only to Kabbage checking. This has delayed me from payment for at least a month and is affecting my cashflow. I also applied for their Payments service so I can take payments by credit card and after 10 months it's still showing "Under Review".

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  • author
    L. Hughes
    Jan 01, 1970
    Our Business borrowed money on our line…

    Our Business borrowed money on our line of credit for very temporary reasons. With that being said we paid it out before the first due date. A few days late we checked to see if it cleared and credit would be available. Only to find that our line would be reduced to just 1000. No real explanation was given except they monitor money in and money out of our Business account totally unacceptable.

    ...

  • author
    Shane Liptak
    Sep 20, 2022
    Sent me a pre approval letter then…

    Sent me a pre approval letter then denied me even tho I met every requirement. This is why you should not trust a pre approval letter

    ...

  • author
    TJ Lynch
    Sep 07, 2022
    Very poor communication

    Very poor communication. I applied for a loan to cover my operating costs, and application process was simple. Fill out info, submit some documents. Done, waiting for review. Then I get an email saying I need to finish my application... Click the link, brings me to the page saying my application is in review and I will be contacted by email. Weird. Then I get a notice saying my document was not able to be used (my Driver's license), and needs to be re-uploaded... Ok, something must have been corrupted, or maybe they also want the back? Scan the back side, put it in the document with the front, and upload it. Next day I get a notice that I'm declined for funding because they could not verify my identity... Very confused, I emailed the service email, and then I get a phone call from someone in the call center saying the application was closed out because the DL was cropped too closely and they couldn't see the 4 rounded corners. Since the application was completely closed, they can't reopen it and I have to reapply in 30 DAYS. So instead of actually telling me what the issue was, they sent vague message, then just locked it out completely.

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  • author
    R. Blake Budden
    Sep 06, 2022
    Go elsewhere, this is worse than useless

    This is a very poor excuse for a "service". First, when seeking funding, you go through the application process thinking perhaps you can qualify for an asset-backed loan. Forget that. Without telling you what's going on you get approved for a very small unsecured line of credit which, if you are actively seeking funding hurts your credit score. When I tried to use my small line of credit, it would not link to my bank account, despite having all bank balance information shown on my account. I called customer service who were zero help, stating they would look into the problem, but never did. After a while they sent me a message with rather negative undertones stating I no longer have access to my line of credit and they would eventually close my account -- Good! As far as I'm concerned, I can't wait to be done with them. Save yourself the headache and seek funding elsewhere.

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  • author
    Shonda Kamholz
    Aug 17, 2022
    I strongly advise against Kabbage…

    I strongly advise against Kabbage Checking. Their customer service is clueless, it takes several transfers I'm call as well as days to get even the smallest question answered correctly. You can email them a yes/no question but will always get an email response telling you to call. I'm done with this bank and moving my money elsewhere. If you don't think you'll ever have a question or need for customers service, the bank is fine. Sounds like nobody knows what they're doing, conflicting answers, complete incompetence.

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  • author
    Dane
    Aug 15, 2022
    This has gone from a bad customer…

    This has gone from a bad customer experience to frightening. The bill pay feature for Kabbage Checking has not worked once, neither through the web application nor from the phone app. I've gone in circles with the customer service people and have decided this isn't going to be fixed. I'm now fearful that a company so poorly managed, and that the app has so many glitches, that this is not a safe place to house my accounts. Other than being an enormous hassle to switch banks (again), it's better than losing everything.

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  • author
    Scott
    Aug 09, 2022
    No one at Kabbage knows anything about…

    No one at Kabbage knows anything about how to help your business. I cannot attach my business account to my application and I have gone round and round with every ignorant phone rep imaginable. I get in the hamster wheel and do what they tell me to do, then that isn't what I need to do, so I do something else and that isn't right either. I review one fake lending company after another on here, because they are all predatory and set up to trap you into believing they are there to help but they are not. Kabbage is another in a line of lying companies that have no intention on helping, and this one is hiding behind AmEx which is unbelievable. My application for funding was created LAST YEAR and nothing at all has been done except this never ending, nonsensical buffoonery of wasted time on phone call after phone call and email after email.

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  • author
    Thomas Martin
    Aug 03, 2022
    Worst banking experience yet

    When I tried to send a wire for my home closing, Kabbage flagged the transfer and locked my account for over 2 weeks with atrocious, uninformed, helpless customer service that prevented any way to lift the lock. Avoid this bank at all cost!

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  • author
    Nathan
    Jul 29, 2022
    Kabbage has terrible customer service

    I setup an account with Kabbage in March 2022 and had problems linking my other bank account to fund it. It's now almost August and they still don't have it linked and they keep closing my cases out. Terrible customer service.

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  • author
    Darlissa Green
    Jul 20, 2022
    Horrible application process

    I tried to apply with this company and upload my documents based on the way their system allows and they continued to request the same thing. I requested a call and they failed to assist as I did what their application and clarification of how to upload requested. If they had a better process then the rating would be better.

    ...

  • author
    SD
    Jul 15, 2022
    Such a horrible experience start to…

    Such a horrible experience start to finish - Jump through hoops to get approved- then once approved, the account continually becomes "unlinked" and you have to reconnect the account continuously to your bank- it's beyond frustrating and maddening.

    ...

  • author
    Bill N.
    Jul 14, 2022
    Absolute WORST customer service I have…

    Absolute WORST customer service I have ever experienced. Was an absolute s-show to open an account. Now, about a year later, was considering adding a service to my account and asked via e-mail (knowing that trying their phone line would be a waste of time) if this would involve a hard credit pull. A few hours later received an e-mail stating I would need to call to resolve my question. Called the number given three different times, each time was left with the message that call could not be completed. If I knew when I first applied for this account what I know now, would have never applied in the first place.

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  • author
    santiago correa yacaman
    Jul 14, 2022
    WORST BANK POSSIBLE

    Terrible terrible service. This bank closed my account after I called to ask about a transaction. They completely closed the account and froze the funds in my account. They had unreasonable requirements and looks like I will be defaulting on multiple payments due to their incompetense. DO NOT OPEN AN ACCOUNT WITH THEM.

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  • author
    LMG
    Jun 29, 2022
    NOT WORTH THE RATING

    Customer service is not helpful at all and actually quite rude. Your business must be banking with a LARGE financial institution and does NOT support digital connections with regional banks or credit unions. Save yourself some time and go to RAPID FINANCE - they are AMAZING!!!!

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  • author
    Dr. Sly
    Jun 10, 2022
    I applied for a business loan with…Kabbage and backend underwriting uses no common sense.

    I applied for a business loan with Kabbage and qualified in every respect. However, we had our incorporation in 2017 with Nevada..then covid hit. we could not pay our nevada fees so our nevada llc was revoked. We still continued to do business. However, we reincorporated in Texas in 5/2022. We did not stop doing business in that whole time. We even showed bank statements beyond May 2022 and could have shown more evidence of being in business. We explained ALL OF THIS to Kabbage before they finished their review. They declined us because they say our tenure was not long enough. They erroneously say our start date was a month ago when we can prove even through tax returns that we were in business for the full 5 years. THey are allowing their computer system to make decisions that sometimes manual human underwriting should handle. Even though they know otherwise they are standing behind the decline. This is unfair and disheartening. Nice people on the front which is why there are two stars. Backend underwriting uses no common sense.

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  • author
    Dissatisfied Female Founder
    Jun 03, 2022
    Kabbage has an awful online process and…

    Kabbage has an awful online process and worse customer service. I have a brick and mortar business checking account (which has a monthly service charge/Kabbage does not), a crypto account, credit union accounts and a brokerage account yet my business checking application hung in limbo for more than a month and then was declined because I didn't upload all 4 corners of my personal utility bill. I shared additional documents that proved my address including from the IRS yet Kabbage denied my application without contacting me and said there was no way to reapply.

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  • author
    Matthew Fuerst
    May 30, 2022
    Completely incompetent

    Completely incompetent. I asked for a letter on company letterhead with my routing and account #s (or a voided check) in order to set up deposits from my credit card processor. I asked three times, each time they told me it was sent and would arrive within 2 weeks, and it never came. If they can't even provide what is needed for a business to start banking with them, good luck getting any sort of service when you do start banking with them. If you want further proof of the quality of their service, pay attention to the string of one-star reviews in the past year, and the copy-and-pasted response to all of them. Trust me, I contacted Kabbage support many times before writing this review

    ...

  • author
    Akande Taofeek
    May 18, 2022
    Nice one and it's a reliable One keep…

    Nice one and it's a reliable One keep the good job

    ...

  • author
    Scott Sellers
    May 03, 2022
    A good and fast source for business…

    A good and fast source for business funding. Have not tried them after they have been acquired. Will definitely use them again if I need business funding. They are fast easy and reliable.

    ...

  • author
    Patty O Chastain
    Apr 12, 2022
    Total False false advertising about…

    Total False false advertising about their $300 welcome bonus. I didn’t get my card until mid November when I funded it and used by debit card over 5 times before December 25. When I still hadn’t received the bonus by April I called. The first person told me she would check into it and call me back. 5 days later no response so I called again. This gentleman told me I needed to make those debit charges before I even got my card! Unbelievable! What a joke! This insincere form letter they attach to complaints shows you how they simply don’t care. I already called that worthless number. Several complaints regarding their false advertising. They think they are smart by scamming prospective customers! You can’t use a debit card you don’t have. If they were on the level this is an easy fix but they prefer to have their “gotcha moment!” Pathetic unprofessional and should be embarrassing as more people post their complaints.

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  • author
    Dane
    Mar 30, 2022
    Kabbage Checking is absolutely terrible

    Kabbage Checking is absolutely terrible. Small business owners should stay away from this service. Most of the basic features they offer are just plain broken. Bill pay for example is filled with errors, and I have not yet been able to pay a single bill with the service. Customer service is horrible on top of their terrible product. I had a mobile deposit that showed up in my transactions as a deposit, but not in my statement. After several hours spent trying to reach customer service and receiving non-sense answers, I still didn't have a resolution. I'm very surprised that Amex would let this business tarnish their image with such a poor product.

    ...

  • author
    Marcel
    Mar 27, 2022
    DO NOT TRUST THEM

    They intentionally delayed the account opening verification process so they would not have to offer the advertised bonus. I'm an Amex customer, log in at sign-up, submitted all documents the same day, yet it took 2 voicemails and 1 email to get someone to finally call me to 'verify my identity' which was 25 days after I 'opened' my account. Then my account opening was 'approved' 30+ days later. Even though I signed up 10 days before their offer ended, they didn't care about Customer Servicing or even returning inquiries in a professional way. Then when I email them about my reward, someone looks at the ticket, but didn't even respond, this was only made clear after I called in and asked them about what's going on with the email I sent 5+ days prior. However, "because your account was approved after our promo ended, you do not qualify." Excuse me? It takes you 30 days to approve and account? You mine as well end the offer 30 days prior and then maybe people would think about using your service... It's a joke they are backed by Amex. And they should not be damaging the image of American Express with their terrible service. Not only did Kabbage lose my business, but Amex also lost some new business from me for now. This service has some serious issues going on. STAY AWAY!

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  • author
    jimmy
    Mar 09, 2022
    unprofessional financial institution

    unprofessional financial institution. none of the amex customer service is present. if you’re a small biz i’d stay away as far as i could. currently dealing with waiting 30 days between correspondences.

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  • author
    An Guo
    Feb 24, 2022
    Stay Away, They Behave like Scammers

    I want to give them negative 5 stars. Read the numerous complaints of them on ConsumerAffairs. Read the reviews here on Trustpilot. It's very true they sell your information all over the world. I am receiving tons of spam calls even from Australia and had to burn my number. They baited you to open an account but then will freeze it for months. After many many calls and emails, Kabbage is not releasing my funds. Even after I called in and asked to close my account, they put my request on hold for 5 months. If you are on the same boat, send an email to American Express Corporate Office and ask them to Intervene. You can find their contact information in Google. Kabbage is not an ethical bank. They baited people to sign up for an account and then keep soliciting you to get loans. They allow you to transfer funds in then hold your funds hostage. I hope American Express take Consumer Affairs feedback into heart and get a grip on this bank.

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  • author
    Ben Lockett
    Jan 19, 2022
    Terrible

    The. Most. Frustrating. Experience. Applied on Dec 21, where I followed all their steps in the application process. Now it's Jan 19th and I haven't heard anything. Have send multiple emails to their customer support team, no response. Called into their 800 number and I'm sitting here at minute 23 with no response. I am so surprised that Amex puts their name to this terrible product.

    ...

  • author
    Michael Kessler
    Jan 13, 2022
    STAY AWAY FROM KABBAGE

    I should have read the reviews here… this company is such a joke. I tried opening an account a few weeks ago. They made me submit a bunch of unnecessary documents to open it. I submitted them. After over a week, I got a message that I needed to submit them again. No notes or anything as to why what I submitted wasn’t enough. So I submitted them again. Same thing - a week and a half later, they requested I submit everything for a third time! Again, no notes or anything explaining why. I tried to call them and email them many times, but they never once picked up. After submitting for a third time, I finally got ahold of someone on the phone. When I asked him what’s taking so long, he explained that they were confused about my address on my personal utility bill, because it didn’t match to my address on file… even though I had 2 addresses on file - a business and personal address. They didn’t bother to look at my personal address, and that caused a several week delay… he then explained that my account was permanently disabled because I hit the max number of support uploads. I’m honestly in shock at how bad this company is. I feel like I dodged a bullet by not setting up an account with them. Do yourself a favor and open an account literally anywhere else. These people have no idea what they are doing

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  • author
    Russ Haley
    Dec 31, 2021
    DITO ......all the other reviews

    DITO ......all the other reviews. It does not work...

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  • author
    Steven Nardini
    Dec 28, 2021
    Outgoing Wire Transfer Nightmare

    Made a 50k+ wire transfer from the Kabbage account that has disappeared. Impossible to get anyone on the phone, but when you do, representative is clueless and can only ‘escalate the issue.’ They say to call back in 7-10 days….what? You misplaced 50k and want me to call back in a week? It seems they are on their way out.

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  • author
    David Uhrig
    Dec 21, 2021
    My account was not list to connect to…

    My account was not list to connect to kabbage

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  • author
    Some Freelancer
    Dec 16, 2021
    I'm writing a second review since my…

    I'm writing a second review since my experience with Kabbage continues to suck. I have written multiple emails to Kabbage support ,still no reply. I have tried to remove my external bank accounts from the Kabbage account and there is no way to do so from within the dashboard. I was told I can not cash checks written to my DBA name they must be written to my legal name! I can not print checks written in my business name! lol whaaaat!? I am using my other bank account to withdraw cash back out of Kabbage because it's easier that way and I'm getting a bit nervous having a large sum of cash sitting in my kooky Kabbage account. Oh and here's the kicker. I opened up an Amex business account. They offer a 1.1% APY business checking too. They will not let me connect Kabbage to the account to move money to and from. I'm getting my money out of Kabbage and switching to Amex. I won't be surprised if Kabbage is soon phased out.

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  • author
    Kari Mills
    Dec 02, 2021
    Not real business checking.

    I opened a Kabbage checking account for my small business. I am a sole proprietor with a DBA. I ran into some trouble depositing a check via the mobile app and reached out to customer service to help. The first response was a standard reply to make sure there was a dark background, adequate lighting, etc. (I have only ever used mobile check deposit since it has been available so am very familiar with the process). The second reply I was advised to try cashing my check elsewhere (seriously?). My final attempt was via phone call. I was informed by the CSR agent that per Kabbage use terms I am only able to deposit checks written out to me personally. No further explanation was provided as to how it makes sense that a business can't deposit checks written to the business into the Kabbage business checking account. I asked what the process was to close the account and was informed that closing the account would require a phone call and that I would not be able to open another account with Kabbage in the future. Ipso facto... not a real business bank.

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  • author
    Andrew Lee
    Nov 30, 2021
    The worst customer service I have ever…

    The worst customer service I have ever dealt with in my life. Will never do business with them, makes me even hate Amex for even owning them.

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  • author
    Kat
    Nov 26, 2021
    I agree with every negative review…

    I agree with every negative review here! They have the absolute worst customer service. And their promotions are misleading!!! I'm going to close my business account.

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  • author
    K Thom
    Nov 23, 2021
    IS THIS SCAM OR WHAT?

    IS THIS SCAM OR WHAT? Kabbage by AMEX won't last long if the customer service is this shi(xx)y. Nobody does business like them these days. Issue after issue after issue even from account opening and it doesn't matter how many times you email them or call them. NO ANSWER. Lately, I had another critical issue (check deposit not posted after weeks) and finally got ahold of someone to talk. Check declined for no reason and they don't even tell you. Just wanted to leave some feedback to this guy and while he was listening, he just hung up on me. WOW! I was gonna make the $100,000 deposit to get the high interests, but will close this account soon. Be aware: the offer looks really great but if there's issue (i.e., your money just disappears one day), there is NO WAY to get it resolved. I'm so glad that I figured our their shi(xx)y service with at an early stage before I made huge deposit. Don't use it. They won't last.

    ...

  • author
    SierraVision
    Nov 23, 2021
    Holy Heck Kabbage's Customer Service Is Awful!

    Kabbage has THE worst customer service I have ever experienced from a bank!! They NEVER answer my emails or the phone! I have sent at least a dozen emails with different questions and each one has been entirely ignored. I did manage to open a checking account with them. I have several business bank accounts at other banks. It's always been quite simple to open them. This was a pain. The higher interest rate is why I signed up but I'm nervous about adding much money to this account because it seems so shady. When I started adding different external banks to transfer cash to and from I started getting messages saying I needed to provide more documents-- a bank statement and voided check. This was after I linked the banks with the external bank's password and verified the small deposits. Several of these external accounts I have never bothered getting checks for because there is no need to write checks. I emailed numerous times asking if there was any other way around this. Who knows? They never answered. So the banks sit "ineligible for transfer." The one bank I did have a check book for I uploaded a voided check and bank statement. Never got a reply. This external account still can't be used to move money. I emailed to ask the progress and whether they received the documents they requested. No reply. These external banks are big banks. Capital One for example wouldn't let me add Kabbage to my account. It's like they know something I don't.

    ...

  • author
    anwer satar
    Nov 19, 2021
    lousy customer service once they reject…

    lousy customer service once they reject your application you cannot reapply no explanation no customer srvice you can talk to and explain them

    ...

  • author
    Chuck
    Nov 12, 2021
    Garbage not Kabbage

    I tried to open a business account based on the recommendations I read online from professional reviewers such as nerdwallet. I did apply online, I received a message that the application process is between 3 and 7 business days. I don’t understand why it takes so long. Anyway, I never heard from them, it was only after a few days when I logged on their website to find out that my application was rejected without any information. This was a checking account not a loan or a credit application where a rejection is a possible outcome. It’s their right to decline opening the account for my company, but only a creepy business would not inform the applicant about the outcome and the reason. It looks like a scam business, they’re there only to collect personal information. As of the online reviewers, I am pretty sure they are being paid for the false recommendation.

    ...

  • author
    Sam
    Nov 09, 2021
    Spammers

    Talked to them once. Turned down their offer. Since then they've sold my email and phone number to shady lenders all over the country. I've gotten hundreds of calls and emails and I can not get them to stop.

    ...

  • author
    Diane Summer
    Nov 08, 2021
    TERRIBLE

    TERRIBLE. BEYOND TERRIBLE. Do not use them as a business checking account. They changed routing numbers, then changed again, so all of my checks bounced to vendors. They have not refunded the bounced checks. It's beyond and the customer service representatives are useless. They should be put out of business.

    ...

  • author
    Mary Evans
    Oct 29, 2021
    Non existent customer service

    I chose to open my business checking account with Kabbage mainly because they’re backed by Amex. I’ve had an Amex credit card for the last 6 years. I figured if their customer service was anything like Amex, I’d be in good hands. First week of setting up my account, I tried to transfer funds from my personal bank to my business account. I made the transfer on Monday, by Tuesday, my personal bank had posted the transfer. By Wednesday, the funds was still showing as pending with Kabbage. I tried calling customer service. I’d click through the prompts only to reach and dead end and be hung up on. I tried about five things because I thought I’d selected the wrong options. I didn’t see a post to my account until Friday. As a small business owner, I need faster service to be able to move funds around. Even if my funds took forever, being able to reach customer service would have been better than nothing. I believe Kabbage has potential, but they aren’t there yet. I will be transferring my funds and closing my account. Maybe in the future I might return.

    ...

  • author
    Rich Murray
    Oct 26, 2021
    The absolute worst customer service…

    The absolute worst customer service ever. When I finally reached someone on the phone they were insolent. It's shocking that American Express lent their name to this.

    ...

  • author
    Gray Twelve
    Oct 26, 2021
    No customer service & no trust in Kabbage

    Chose Kabbage since I have an Amex small business credit card. As others have said, their customer service is non-existent -- as in, you can't reach them. Phoning customer service cuts you off at exactly 10 minutes of holding each time and no reply to emails to customer service. I did manage to get through to them the week I opened the account and the reps - plural - kept bouncing me around 'departments' saying my question needed to be handled by Green Dot, then Kabbage, etc. I was phoning solely to confirm a transfer had gone through, that really should be clear to the first person a client speaks with. If this weren't associated with Amex I wouldn't think it's a scam, they're that bad. I am now waiting on another transfer and will then change banks.

    ...

  • author
    Jon Nedry
    Nov 08, 2021
    Not ready for prime time

    Kabbage seemed like a great idea for my new business. Online banking that's easy, with solid reporting, etc. So I gave it a shot. The first month was fine. The second was fine. Then I made a deposit and it never showed up. For the first week I thought it was probably just "pending" since my account was fairly new. It showed up in my mobile Kabbage app as having been made, but not active. But it didn't show up on the web. After 2 weeks, I figured I'd just contact support. That's when things got weirder. I've now called their support line five times in the past week. Each time I navigate through the very friendly-sounding decision tree and then am put on hold waiting for someone to take my call. At exactly 10 minutes (every time), my call was abruptly disconnected. With no explanation or message... just boom - disconnected. Since it's exactly 10 minutes, I feel pretty certain it's built into their system. If they can't get to your call in 10 min, they dump you. That's pretty horrific. So I tried email support. They were much more supportive. They told me they were sorry I was having trouble transferring funds to my external bank account (Not at all what I emailed about) and offered some suggestions (not related to my problem). But, to their credit, they emailed back 90 minutes later to acknowledge their error and offer solutions to my actual problem. They told me that my check "was declined in manual review process." That had happened more than a week earlier and they never let me know it was declined. Further, the only reasons they could offer were that it wasn't signed correctly or there was some other irregularity. This is a fairly regular check from a regular client, that I handled exactly like all my other checks. I had to email back to ask them if there was an appeal process, if they were still reviewing it, or if I'd be ok to deposit it to a different back. I literally had no idea what the status was. SO far, I'm waiting for a response from them, but it's clear, they aren't ready for businesses that need them to be responsive and without error. I'm putting my money back in a traditional bank. As a small business, I have enough risk without having my bank add more.

    ...

  • author
    Raquel Martin
    Oct 21, 2021
    No communication

    Ten days since application, still no reply, and no answer to my emails. They don't answer their phone, and then, an answering machine asks you to leave a message?? About a bank account? Frustrating.

    ...

  • author
    Binay Sapkota
    Oct 21, 2021
    The worst of the worst Customer Service…

    The worst of the worst Customer Service Experience Ever experienced with a Bank or a Financial Institution. Not Recommended at all.

    ...

  • author
    Ms L
    Oct 19, 2021
    Zero customer service when I needed help

    I wanted to open a checking account, tried calling several times with a few questions, was disconnected several times. I emailed them with my questions, they sent me back totally unrelated form letter. Terrible customer service, non-existent. I wonder if it has always been this way. Because of this, I will turn elsewhere for an account.

    ...

  • author
    Douglas Bacon
    Oct 18, 2021
    Customer NO-service

    You can't have your money with a company that cannot be reached. Kabbage, in my experience, does not answer their phones. I can only hope they respond to my email. I started out looking for a deposit that is not captured and now i just want to get close my account as fast as possible.

    ...

  • author
    Ali
    Oct 06, 2021
    Good

    They accept my offer just very early. Thank You, and i will be work only with You

    ...

  • author
    New customer
    Oct 05, 2021
    Just cannot reach them on the phone

    Just cannot reach them on the phone. Goes on hold for about 20 mins and then asks me to leave a message that they never get back to. Have tried 4 times already.

    ...

  • author
    Chandra Franklin Womack
    Oct 05, 2021
    Warning-Stormy weather ahead

    Warning-Stormy weather ahead! I opened a line of credit a few weeks back, thinking I would keep it for a rainy day. Well things got really stormy and I already drew down on my LOC. I requested it on Monday afternoon and by Tuesday morning it was already deposited into my account. This was a really easy and comfortable experience. I appreciate Kabbage being here to help me weather the storm!

    ...

  • author
    Strath Wood
    Oct 05, 2021
    Fantastic Level of Service

    A straightforward process, with a painless application process with answers in a few minutes

    ...

  • author
    Diane M Davis Lexington - Paragon Centre
    Sep 26, 2021
    took so long

    took so long to get approved

    ...

  • author
    DENNIS
    Sep 25, 2021
    Expected something much difference.

    Expected something much difference. &6000 loan is not a cash flow instrument in the modern world

    ...

  • author
    RN
    Sep 23, 2021
    The process from loan approval to…

    The process from loan approval to transfer is so quick and easy. Highly recommend to business owners who needs immediate access to funds.

    ...

  • author
    TAL
    Sep 22, 2021
    Nelson and Mike are stellar

    Nelson and Mike are stellar - funding was available almost immediate. Well done young Jedi :)

    ...

  • author
    Shawn
    Sep 17, 2021
    Excellent Service...thrilled to be back with Kabbage!

    Walle was instrumental in working through a couple glitches with our bank to obtain funds for us. He was professional and facilitative. Thanks so much, Walle! We've always loved Kabbage, and we're thrilled to reinitiate a relationship. Now that American Express has acquired Kabbage, it makes even more sense. American Express was the very first company to take a chance on our newly incorporated construction company in 1987!!! We still have an Amex Business Card. :)

    ...

  • author
    JAMEY
    Sep 12, 2021
    Very smooth process

    Very smooth process. Thank you for having this option out there for us.

    ...

  • author
    Jimmy
    Sep 12, 2021
    They were very quick and I got approved…

    They were very quick and I got approved within minutes. Thanks to Kabbage

    ...

  • author
    Richard
    Sep 09, 2021
    Simple and straightforward application process.

    Simple and straightforward application process. Review time is longer than expected. But once approved, I got the fund in my bank account the second day.

    ...

  • author
    AMANDA
    Sep 08, 2021
    The ease of this process is nothing…

    The ease of this process is nothing short of amazing! The ease of use, efficiency of process, and excellent customer service is the reason that traditional banks will go out of business! At a traditional bank, this process would have taken weeks, rather than hours, which is all it took to complete the process with Kabbage.

    ...

  • author
    wilson
    Sep 05, 2021
    Very good service

    Very good service

    ...

  • author
    Caroline
    Sep 04, 2021
    Needed some extra funds...Kabbage makes…

    Needed some extra funds...Kabbage makes it easy to access. I appreciate that.

    ...

  • author
    Roy
    Sep 04, 2021
    I am highly disappointed in my first…

    I am highly disappointed in my first experience since the reorganization. I initiated a transfer on Thursday Sept 2nd and while it says “takes 1-3 business days” I ALWAYS had my transfer the next business day. It is now the 2nd business day and the transfer hasn’t come through and my bank bounced two checks I wrote.

    ...

  • author
    Barry
    Sep 03, 2021
    Quick

    Quick, automated underwhelming

    ...

  • author
    Mike Lawson
    Aug 31, 2021
    Hard inquiry, personal loan would have been better

    Well, to be honest, not delighted so far. First, I accidentally connected a personal account when adding business accounts. No way to remove without calling or emailing. They left me on hold 30 minutes and never answered so I gave up and emailed. They never returned that email. I went through the process and was approved but since it required a personal guarantee and resulted in a hard inquiry into my credit, it wasn’t worth it. They gave me $10k. My personal credit score is around 800. If I had thought this through I would not have done it for the ding on my report for two years, and I can walk into my bank and get a signature loan for five times this amount at better terms. Even Amex, the new owners, have given me multiple $25k loans over the years without issue and had them repaid early each time. So, if you’re looking at personal guarantee from Kabbage, know upfront that they do a hard personal credit pull. If your score is good like mine, you can probably get more money from your bank, because it’s no different than a personal bank loan, not much for a business line of credit under this scenario.

    ...

  • author
    KSG, LLC.
    Aug 28, 2021
    Overall Kabbage Experience

    My experience with Kabbage was very positive. The representative I work with, Kevin, was phenomenal to work with and everything was taken care of within 24 hours. Literally the smoothest banking process I have ever endured. I look forward to a long relationship with Kabbage.

    ...

  • author
    HILARIO
    Aug 28, 2021
    EXCELLENT SERVICE

    One of the best services my American Express group of companies has offered!

    ...

  • author
    RODNEY
    Aug 27, 2021
    Simple process start to finish

    Simple process start to finish

    ...

  • author
    Joseph
    Aug 24, 2021
    Excellent service!

    Excellent service!

    ...

  • author
    Cheryl
    Aug 23, 2021
    No Help with Forgiveness Application

    Applied and received a PPP loan in Aug of 2020. Applied for forgiveness in Dec 2020. Now I'm still waiting. Kabbage or K-Servicing can't even manage to get me a timeline when they expect a portal to OPEN. The lender on the loan Cross River has a portal for direct loans but not for Kabbage. I'm so SORRY I didn't go throw a local bank.

    ...

  • author
    Elik Livnat
    Aug 21, 2021
    Worse bank ever

    I apply for checking account. Promised to review in 5-7 days. Called several time and was promised that it will be taken care with some reply. Never heard from them. 2 months passed. This bank look good on the website but it's all but empty promises. Never try to work with this bank. If there was a zero star I would give it to kabbage bank.

    ...

  • author
    Mark Wisemen
    Aug 20, 2021
    Like hundreds of other people have…

    Like hundreds of other people have stated.. they were quick to provide PPP funding, however they will not accept paperwork to apply for forgiveness. They kept telling me that the forms from SBA were not out yet and they were working with a 3rd party and that I should wait for an e-mail. My time frame to apply with the SBA has ended... I guess I will have to hire a lawyer and pursue legal action.Their are many other people suffering from this same situation

    ...

  • author
    Coleman Jennings
    Aug 20, 2021
    Absolutely terrible company that will…

    Absolutely terrible company that will give you money fast and come after you faster to repay it. I was going through the pandemic and couldn't sell anything and they could care less. They gave me (4) $35 late fees even thought I was not late on any payments. Trying to get a hold them is even worse. Their interest rate is through the roof, and now that I am doing my corporate taxes for 2020, their website doesn't show how much interest I paid to them in 2020. Do not use this company for funding, you have been warned.

    ...

  • author
    Alpha Designs llc
    Aug 18, 2021
    Glad Kabbage is back

    Glad Kabbage is back . Very helpful in managing funds in between paid invoices and was very quick in getting my funds .Thank you

    ...

  • author
    Arielle Haller-Silverstone
    Aug 05, 2021
    TERRIBLE

    TERRIBLE. BEYOND TERRIBLE. Do not use them as a business checking account. They changed routing numbers, then changed again, so all of my checks bounced to vendors. They have not refunded the bounced checks. It's beyond and the customer service representatives are useless. They should be put out of business.

    ...

  • author
    Charles
    Jul 30, 2021
    Money when you need it next day deposit…

    Money when you need it next day deposit low interest

    ...

  • author
    Tani
    Jul 30, 2021
    When you need the extra help it is…

    When you need the extra help it is there! Easy, professional service and confidence that Kabbage will work with you...

    ...

  • author
    Eric Sweazy
    Aug 12, 2021
    Horrible Experience with PPP Loan…

    Horrible Experience with PPP Loan Forgiveness. I applied through Kabbage, now there are three other companies involved and none seem to have a working operation. UPDATE: Got the first loan forgiven. Their customer service hung up on me but three days later it was forgiven. Still horrible experience. Still have to deal with the second loan.

    ...

  • author
    Forrest Joseph
    Jul 27, 2021
    The Kabbage working Capital Line of…

    The Kabbage working Capital Line of Credit is an excellent product for businesses in today's environment. The only issues we experienced were technical ones which took close to a week to resolve before we could access our LOC.

    ...

  • author
    Nexgen Labs
    Jul 26, 2021
    Kabbage PPP discriminates against small, minority and woman-owned business

    Kabbage, SmartBiz Loans and their affiliate, Leader Bank of Arlington, Massachusetts discriminated against our minority, woman-owned company. Since 2013, we have always paid higher than average wages plus health benefits to about 20 valued employees. We started our PPP application in Jan 2021 with Kabbage who had processed our 1st PPP efficiently and timely. For some unknown reason, Kabbage withdrew our 2nd PPP application and transferred it to SmartBiz. SmartBiz then fumbled through our application from March 2021 until the May 31, 2021 deadline. On June 2, SmartBiz emailed and said our application had been assigned an SBA PLP number meaning the loan was approved, SBA had funds set aside for our loan and we would be funded in about 20 days. After 20 days we then received an email from Leader Bank on behalf of SmartBiz saying the loan was denied because of an "incomplete application". No one was willing to tell us why the application was withdrawn, why it was incomplete or what we could do to make corrections. At that point the PPP program was closed so we had no recourse and ended up laying off most employees. The PPP would have really helped to keep our lease up to date and pay our employees while business has slowed due to the pandemic. Kabbage could have simply let us go to a reputable lender instead of switching our application to SmartBiz.

    ...

  • author
    Frank
    Jul 20, 2021
    Great customer service…

    I’ve been a Kabbage customer for years now and have always been treated professionally and expediently. Whenever I have a question or concern regarding business funding I reach out to my account manager Kevin Fair who always provides a response quickly. His experience and knowledge always shines through.

    ...

  • author
    GinaMark Covington
    Jul 20, 2021
    Possible law suit - wound not recommend

    quick to provide PP funding, however they will not accept paperwork to apply for forgiveness. Keep telling you forms from SBA are not out yet or we are working with a 3rd party and wait for an e-mail. I meet all requirements to apply for forgiveness however I cannot because they "are not ready yet" to accept applications. My time frame to apply with the SBA ends in 3 weeks, we will see if there site is open by then. If not guess will have to hire a lawyer and pursue legal action. Seems there are others in same boat, sound like a possible class action law suit in the making

    ...

  • author
    london lunoux
    Jul 18, 2021
    Have been waiting on them to send the…

    Have been waiting on them to send the forgiveness app for months now. This is after already applying for forgiveness in January. There is no excuse for this and they need to fix it immediately.

    ...

  • author
    customer
    Jul 17, 2021
    Was very easy to use

    Was very easy to use. Totally upfront explained in detail.

    ...

  • author
    Jose
    Jul 14, 2021
    Late Funds

    Was told deposit was going in by 5:00pm. Called to confirm and sent 2 emails. Was assured that funds would be sent as promised. Funds did not arrive till the following day causing our payroll checks to bounce. We understand if it can not be done. But be honest and let us know so we can expect it.

    ...

  • author
    Marcia
    Jul 10, 2021
    Welcome back, Kabbage!

    As past Kabbage customers, we are super excited to see the program back open for new loans and business funding. The process is simple, the terms are excellent and the customer service is superb!

    ...

  • author
    ILDEFONSO
    Jul 09, 2021
    Great business tool to have!!

    Great business tool to have!!

    ...

  • author
    HotShot Trucking Shows USA
    Jul 06, 2021
    Not The Same Kabbage, don't waste your time.

    Last year before COVID they were a different company, different owners apparently. I was approved for $40g credit line. Didn't use it because of uncertainly of COVID. This year I contacted them because of new ventures, online sites and shows I am promoting, letting my TexLink Trucking rest while I pursue these new businesses. I was skeptical because of the fact that asking for a line of credit can damage your credit score with a hard inquiry. When it was all said and done, I was only given such a small line of credit ( carry more in my wallet ),that it actually hurt me much more than benefit me. I never talked to anyone, no one explained to me exactly what the reason was. I was not given a chance to add other income sources, money in savings, etc. I am just beyond belief that I even did business with them. There are so many other great financial sources out here. As a business person, time and trouble is a liability. I may sound bitter, I hate being so, I post hundreds of posts every year, Top Contributor on Google. I love to promote that is my business but if I can save one of you the trouble, than it is worth it. Thanks.

    ...

  • author
    Raul Gochez
    Jul 02, 2021
    Excellent Service

    Excellent Service. With the new administration (AMEX) awesome, seamless. I'm in long term

    ...

  • author
    Michelle Clark
    Jun 28, 2021
    Kabbage and K Servicing really screwed…

    Kabbage and K Servicing really screwed my company around on the 2nd PPP. We got the first one with no problem but the 2nd PPP application was withdrawn and sent to SmartBiz for some unknown reason then SmartBiz held the application for months and even told me it was approved only to tell me later after the deadline that the loan was denied because the application is incomplete. This really hurts our business and employees.

    ...

  • author
    ASAD
    Jun 20, 2021
    very simple and uncomplicated process

    very simple and uncomplicated process great resource for small business will recommend very highly

    ...

  • author
    brian
    Jun 18, 2021
    Glad to see them back up and running

    Glad to see them back up and running

    ...

  • author
    Chris Heller
    Jun 15, 2021
    PPP loan approval Fast!

    PPP loan approval Fast! All attempts to repay unsuccessful! No replies to ANY emails, ever. Same feed back as others, person on phone knows absolutely nothing other than " wait for email ". I missed first loan forgiveness period because they did not advise I could apply and chose not to acknowledge my email requests (3) on when can I apply. June 2 told new FORMS approved/out. Wait for email. June 15 call again told wait more. No other info available at all. I am paying interest on a loan that would have been finished last December if only the had contacted me.

    ...

  • author
    Kimberly
    Jun 09, 2021
    We got an instant decision with our…

    We got an instant decision with our application and funds were available immediately. We love the convivence of being able to choose repayment terms and their interest rates are the best in the business. They will be our go to account for short term financing. Oh, and I would only read the reviews after American Express took over which I think was early June 2021.

    ...

  • author
    Mark
    Jun 09, 2021
    Very easy process

    Very easy process, Very willing to work with small businesses

    ...

  • author
    Ray
    Jun 08, 2021
    I am happy Kabbage is back

    I am happy Kabbage is back. I was contacted by the gentleman who handles my account, and after a very pleasant conversation I was happy to take a draw on my funds. I look forward to working with Kabbage again. Thank you, Ray Siefert

    ...

  • author
    Michael
    Jun 05, 2021
    Very responsive

    Very responsive. Quick to react to business needs.

    ...

  • author
    Jerry Welsh
    Jun 04, 2021
    Opening back up our revolving line of…

    Opening back up our revolving line of credit could not have come at a greater time. The new rates are so workable and Kabbage will retain our business for the foreseeable future!

    ...

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