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Unsecured Business Loan vs Kabbage: Which Is Right for Your Business?

Compare Unsecured Business Loans versus Kabbage to find the fastest, most flexible funding matching your small business needs.

⚡ Quick Verdict

Unsecured Business Loans from SMB Capital Funding offer faster approval and more flexible terms than Kabbage, with direct lender control that means no third-party intermediaries slowing down your funding. If you need cash quickly without the rigid requirements Kabbage imposes, SMB Capital Funding gets money in your hands when your business needs it most.

Side-by-Side Comparison

Feature Unsecured Business Loan Kabbage
Funding Amounts$10K – $500K$2K – $250K
Rates / CostStarting at 1.15x factorUp to 36% APR equiv.
Term Length3 – 18 months6, 12, 18 mo
Funding SpeedSame day – 48 hoursSame day
Min. Credit Score550+ OK640+
Collateral RequiredNoneNone
RepaymentDaily/weekly ACHMonthly

When to Choose Each Option

Choose Unsecured Business Loan when:

  • You need funding fast (same day possible)
  • Your credit score is below 640
  • You want to avoid collateral requirements
  • You need amounts from $10K up to $20M
  • You prefer a direct lender with no broker fees

Choose Kabbage when:

  • You already have an established relationship with Kabbage (AmEx)
  • Your business revenue primarily flows through their platform
  • You need amounts in the $2K – $250K range
  • You prefer their Monthly repayment structure
  • You've been declined elsewhere and want to explore all options

Why Businesses Choose SMB Capital Funding

SMB Capital Funding provides faster funding decisions and disbursement compared to Kabbage, getting capital into your hands when you need it most for time-sensitive business opportunities. As a direct lender with flexible credit requirements and access to loans up to $20M, SMB Capital Funding eliminates middleman delays and offers personalized terms that work for your specific business situation rather than forcing you into rigid lending criteria.

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Frequently Asked Questions

What is the difference between Unsecured Business Loan and Kabbage?
An unsecured business loan is a general financing option where you borrow money without putting up collateral, making it accessible but often requiring good credit and established business history. Kabbage, now part of Amex OPEN, was a specific online lending platform that offered quick, flexible funding but has limited availability since its integration. For small business owners seeking straightforward unsecured funding with personalized service, SMB Capital Funding is an excellent alternative that offers competitive rates and faster approval processes tailored to your business needs.
How quickly can I get funded?
SMB Capital Funding offers same-day to 48-hour funding for most products. Simply apply online and our team will reach out within minutes.
Is there a minimum credit score?
Most of our working capital products are available with a 550+ credit score. We look at your overall business health, not just your credit score.
Do I need collateral?
Most of our short-term business funding products require no collateral. Equipment financing uses the equipment itself as collateral.

SMB Capital Funding is a direct lender offering working capital solutions to US-based small businesses. Funding amounts and terms vary based on business qualifications. This comparison is provided for informational purposes. All products subject to approval.